Trump Account timeline: key dates from 2025 to 2029
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Trump Accounts have a lot of moving dates: some are fixed in the law, some come from IRS guidance, and some depend on your child's birthday. This page puts them in order, with a source next to each one. Source: IRS and Federal Register pages listed below, last checked 2026-10-27.
Program dates
| Date | What happened or happens | Source |
|---|---|---|
| July 4, 2025 | Public Law 119-21 is enacted. Section 70204 adds section 530A (Trump accounts) to the tax code, effective for tax years beginning after Dec 31, 2025 | IRS: Notice 2025-68 |
| Jan 1, 2025 | First birth date that can qualify for the $1,000 pilot contribution (born after Dec 31, 2024) | IRS: Notice 2025-68 |
| Jan 1, 2026 | Trump account rules and the section 128 employer exclusion apply to tax years beginning after Dec 31, 2025 | IRS: IRB 2026-37 (REG-101355-26) |
| July 4, 2026 | First day contributions can be made. Pilot deposits are made no earlier than this date | IRS: Notice 2025-68, Q&A B-2 |
| Aug 11, 2026 | Proposed regulations on employer contributions released (IR-2026-90) | IRS: IR-2026-90 |
| Sept 30, 2026 | Temporary regulations (TD 10056) take effect, covering auto accounts, claiming and general contributions | IRS: IRB 2026-44 |
| Oct 1, 2026 | Treasury begins automatically enrolling eligible children | IRS: Trump Accounts |
| Oct 15, 2026 | Public hearing on the employer-contribution proposed rules, changed to telephonic-only | >Federal Register, Sept 30, 2026 |
| Dec 22, 2026 | Comment deadline on Treasury's proposed "Qualified Class Contribution Application" (the form for general funding contributions), published Oct 23, 2026 | >Federal Register, Oct 23, 2026 |
| 2026 and 2027 | Minimum general funding contribution is $25 per child in the qualified class | IRS: Notice 2025-68 |
| After 2027 | The $5,000 annual limit and $2,500 employer limit can be adjusted for cost of living | IRS: Instructions for Form 4547 |
| Dec 31, 2028 | Last birth date that can qualify for the $1,000 pilot contribution (born before Jan 1, 2029) | IRS: Notice 2025-68 |
| Sept 30, 2029 | The temporary regulations in TD 10056 expire | IRS: IRB 2026-44 |
Treasury says auto accounts are created on or about Oct 1, 2026 and periodically after that, so a child who was missed in the first round may still be added later (IRS: IRB 2026-44).
Dates that depend on your child's age
These dates are different for every family:
- Deadline to open an account: the election has to be made before the end of the calendar year the child turns 18. A child qualifies only if they have not turned 18 by the end of the year the election is made (IRS: IRB 2026-44).
- Age 17 (the whole calendar year): the only window for moving the entire balance to an ABLE account (IRS: Notice 2025-68, Q&A E-3).
- Dec 31 of the year the child turns 17: the growth period ends. Contribution limits and the no-withdrawal rule stop applying (IRS: Instructions for Form 4547).
- Jan 1 of the year the child turns 18: withdrawals generally follow traditional IRA rules (IRS: Notice 2025-68). See what happens at 18.
Worked example from the IRS: a child born Oct 1, 2025 turns 18 on Oct 1, 2043, so the growth period ends Dec 31, 2042 (IRS: Notice 2025-68).
Dates still in flux
- The employer-contribution rules are still proposed, not final (IRS: IR-2026-90). See employer contributions.
- Inflation-adjusted limits for 2028 and later have not been published yet.
Unconfirmed: We found no official deadline for electing the $1,000 pilot contribution after a child is born, no published date for final regulations, and no date when the qualified class contribution application will open. Check irs.gov/trumpaccounts for updates.
Want the steps in one place? Trump Account setup checklist + error fixer ($7, optional). Claiming the account itself is free.
Sources
- IRS: Trump Accounts
- IRS: Notice 2025-68
- IRS: Instructions for Form 4547
- IRS: Internal Revenue Bulletin 2026-44 (TD 10056)
- IRS: Internal Revenue Bulletin 2026-37 (REG-101355-26)
- IRS: IR-2026-90, proposed employer-contribution regulations
- >Federal Register: telephonic-only hearing notice (Sept 30, 2026)
- >Federal Register: Qualified Class Contribution Application comment request (Oct 23, 2026)
Not tax advice. Talk to a tax professional about your situation.
Keep going: This page is part of our main guide to how Trump Accounts work, which walks through every decision in order. Related questions: The $1,000 pilot deposit. Ready to act? See Form 4547 explained.
More guides
- The Dell $250 Trump Account deposit: who got it
- Form 4547 explained: how to fill it out, part by part
- The $1,000 Trump Account pilot deposit: who gets it and how to elect it
- Trump Account Contribution Rules for 2027
- What happens to a Trump Account when your child turns 18
- Trump Account contribution limits and rules
- Employer contributions to Trump Accounts: what to ask HR
- Trump Account FAQ: quick answers
- Can grandparents contribute to a Trump Account?
- Trump Account investment options: what the money can be invested in
- Trump Account scams: fake texts and how to spot them
- Trump Account errors: 'unable to process', CP318 and name/SSN mismatches
- What is a Trump Account? Eligibility explained
- Who can claim a Trump Account: parent, guardian, sibling or grandparent?