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Trump Account FIRE Calculator
Trump Accounts open July 4, 2026. See how $5,000/year from birth grows to ~$191,000 at 18 — and what that means for your child's Coast FIRE timeline with zero additional contributions.
Now open. Contributions opened July 4–5, 2026. Children born Jan 1, 2025–Dec 31, 2028 receive a one-time $1,000 federal seed.
$191,247
Balance at Age 18
Age 45
Coast FIRE Age
$91,000
Total Contributed
$100,247
Investment Gains by 18
Your Child's Account
years
$
%
%
$
Coast FIRE Milestones
FIRE Number (4% withdrawal rate)
$1,500,000
$60,000/yr ÷ 4% = $1,500,000 target
Lean FIRE
$35K/yr • $875,000
Achieved at age 38
Standard FIRE
$50K/yr • $1,250,000
Achieved at age 43
Chubby FIRE
$100K/yr • $2,500,000
Achieved at age 52
Fat FIRE
$200K/yr • $5,000,000
Achieved at age 61
Roth Conversion at Age 18
Account balance at 18$191,247
Est. conversion tax (over 4 yrs)~$14,268
Tax-free value at age 60$4,846,100
Growth After Age 18 — Zero Additional Contributions
| Age | Portfolio Balance | % of FIRE Number | Status |
|---|---|---|---|
| 18 | $191,247 | 13% | Coasting |
| 25 | $327,764 | 22% | Coasting |
| 30 | $481,592 | 32% | Coasting |
| 35 | $707,617 | 47% | Coasting |
| 40 | $1,039,722 | 69% | Coasting |
| 45 | $1,527,693 | 102% | FIRE ✓ |
| 50 | $2,244,682 | 150% | FIRE ✓ |
| 55 | $3,298,174 | 220% | FIRE ✓ |
| 60 | $4,846,100 | 323% | FIRE ✓ |
| 70 | $10,462,366 | 697% | FIRE ✓ |
Portfolio Growth: Birth to Age 70
Accumulation Phase (contributing)
Coast Phase (compounding only)
FIRE Number
How Trump Accounts Work for FIRE
The Account
Trump Accounts (Section 530A, signed July 4, 2025) open for contributions on July 4, 2026. Children born Jan 1, 2025 – Dec 31, 2028 receive a $1,000 government seed. Families contribute up to $5,000/year. Investments are limited to broad U.S. index funds with expense ratios ≤0.10%.
The Coast FIRE Strategy
Coast FIRE means accumulating enough early that compounding alone reaches your FIRE number — no further contributions needed. Maxing a Trump Account from birth can put a child on Coast FIRE before they graduate high school, achieving a $1M+ portfolio by their 40th birthday with zero additional saving.
The Roth Move at 18
At 18, the account mandatorily converts to a Traditional IRA. Most children should immediately convert to a Roth IRA — at 18, the $16,100 standard deduction and 10–12% brackets minimize the tax cost. Converting ~$191K costs ~$15,000–$20,000 in taxes but unlocks $4M–$5M in permanently tax-free Roth growth by retirement.