The program is real, the law is signed, and accounts are open. Here are the key dates and what to do now.
The Launch: July 4, 2026
Invest America Accounts officially opened on July 4, 2026. The U.S. Treasury launched the official Trump Accounts app, available to download at trumpaccounts.gov.
Today, the IRS election and the official app at trumpaccounts.gov are the only official ways in. If another website claims to open an account for you, be skeptical.
Claiming the $1,000 Seed
Here's the part that matters most for parents.
If your child was born between January 1, 2025 and December 31, 2028, they're eligible for a free $1,000 government seed contribution. To claim it, a parent or guardian makes the Form 4547 election, fastest in their IRS Online Account.
There's no deadline to make the election. The IRS says it can be filed at any time, including with your tax return. The seed is deposited after the election is processed.
The online election takes 5-10 minutes. You'll need an ID.me login plus your child's Social Security Number, date of birth, and address. Once it's processed, the Treasury emails app activation instructions from no-reply@trumpaccounts.treasury.gov.
What You Can Do Now
Today you can:
- Open a Trump Account for your child
- Add contributions (up to $5,000/year)
- Eventually roll the account over to a participating financial institution
We've got a full step-by-step guide to opening a Trump Account.
When Does Your Child Get the $1,000?
The government seed is deposited once the account is opened and eligibility is confirmed. It then gets invested in an S&P 500 index fund and starts compounding. See what that $1,000 could grow into over 18 years.
A Quick Timeline Summary
- Early 2026: Families filed IRS Form 4547 with their 2025 tax returns
- July 4, 2026: Accounts officially opened, and the Trump Accounts app launched
- Now: Accounts are open, contributions can begin, and the $1,000 seed is deposited for eligible children once the election is processed
For a full breakdown of eligibility and what your child qualifies for, check the Invest America landing page or learn more about how Trump Accounts work.
Find out in 30 seconds if your child qualifies at investamericaquiz.com.
Still have questions about the timeline? 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.
