April 15, 2026 is the deadline to file IRS Form 4547 with your 2025 tax return.
That form is how you claim the $1,000 government seed contribution for your child's Trump Account. If your child was born between January 1, 2025 and December 31, 2028, this deadline is the most important thing you need to act on right now.
Why April 15?
April 15 is the standard federal tax filing deadline. IRS Form 4547 is filed alongside your regular 2025 tax return. The government uses this filing to establish your child's eligibility for the Invest America seed contribution before accounts open in July 2026.
You're not actually opening an account on April 15. You're reserving your child's spot in the program and locking in the $1,000 seed. The money gets deposited when accounts officially open on July 5, 2026.
What Is IRS Form 4547?
Form 4547 is the official IRS form for the Invest America Account program. It collects basic information about your child (name, Social Security Number, date of birth) to confirm eligibility for the government seed.
You can download IRS Form 4547 here. It goes with your regular 2025 tax return.
For a full walkthrough of the process, see our step-by-step guide to opening a Trump Account.
Who Needs to File by April 15?
If your child was born between 2025 and 2028, you should file Form 4547 by April 15 to claim the $1,000 seed.
If your child was born before 2025, there's no April 15 deadline for you. You can open a Trump Account through the portal at trumpaccounts.gov when it opens in July 2026. Your child just won't receive the government seed contribution.
What If I Miss the April 15 Deadline?
You can still file for the seed contribution through the trumpaccounts.gov portal after July 5. But doing it through your tax return by April 15 is the primary window and the most straightforward path.
If you're on extension (your tax return is filed after April 15), you may still be able to include Form 4547. Consult a tax professional for your specific situation.
Is My Child Eligible?
Any U.S. child under 18 with a Social Security Number can have a Trump Account. Children born 2025 through 2028 are eligible for the $1,000 seed. Children born before 2025 can still benefit from the tax-deferred growth and contribution limits.
Not sure what your child qualifies for? The quiz at investamericaquiz.com takes 30 seconds.
Find out if your child qualifies right now at investamericaquiz.com.
More questions? Here's every question people are asking about Trump Accounts.
This post is for educational purposes only and is not tax, legal, or investment advice. Grifin is not affiliated with the U.S. government or the Invest America program.
