530A Model

530A Model is an independent, open-source public-good project that provides a free, browser-based calculator for projecting the future balance of 530A "Trump Accounts." It was built by Zach Eikenberry as a personal project with no company behind it, and the code is publicly available on GitHub. The tool runs entirely in the user's browser with no login, cookies, or personal data collection, and its underlying math is open source. It is an educational estimate tool that helps families understand how small, steady contributions could compound over a lifetime for children born between January 1, 2025, and December 31, 2028.

The calculator allows users to adjust sliders for factors such as the child's age, monthly contribution amount, investment return rate, and one-time gifts to estimate the account's value at age 18, 36, and 72. It includes an Advanced Model that offers calculations on eligibility, tax considerations, and projected ranges. The tool also features a Monte Carlo simulation to show how volatility affects compounding compared to a steady projection, and it clearly labels every tax figure as an estimate. Users can verify rules with primary sources on the Resources page before making decisions.

To get started, users must first check eligibility by confirming their child is a U.S. citizen with a Social Security number and was born between January 1, 2025, and December 31, 2028. If eligible, they can open an account at trumpaccounts.gov using IRS Form 4547 or through the Treasury's Trump Accounts portal. The process requires no login to the calculator itself, as all inputs are processed locally in the browser. Once opened, the account can be funded with up to $5,000 per year from all sources combined, including employer contributions of up to $2,500.

The calculator assumes a default 7% average annual return after inflation, a 0.03% expense ratio for the default fund, and monthly compounding, but every assumption is adjustable in the Advanced Model. Contributions are made after tax and form the user's basis, while growth is tax-deferred until withdrawal. Earnings are taxed as income when withdrawn, and converting to a Roth IRA after 18 taxes the non-basis amount at conversion. The tool explicitly states that these are probabilistic ranges, not guarantees, and values are shown in today's dollars.

Children who are U.S. citizens born between January 1, 2025, and December 31, 2028, receive a one-time $1,000 federal seed contribution to start their account. Family, friends, and even employers can contribute up to $5,000 combined per child each year, with employers contributing up to $2,500 per year. Contributions have been allowed since July 4, 2026, and the cap is expected to be indexed to inflation after 2027, though the exact mechanics are pending IRS guidance. The calculator flags the 529 rollover path as not currently permitted until primary sources confirm otherwise.

No withdrawals are permitted before age 18, at which point the child owns the account and it behaves like a Traditional IRA. At 18, the account follows Traditional IRA rules, allowing penalty-free withdrawals at age 59½ or under specific IRA-style exceptions. The calculator also notes that the exact early-withdrawal penalty is unverified and treated as 10% IRA-style pending confirmation. The statute specifies Traditional-IRA treatment at 18, including Roth conversion taxation.

The calculator explicitly flags the 529 rollover at 18 as unverified and treats it as not currently permitted until primary sources confirm otherwise. It also flags the exact early-withdrawal penalty as unverified, assuming a 10% IRA-style penalty pending IRS/Treasury confirmation. Additionally, the "qualified class" for charity or government contributions is pending March 2026 proposed regulations. The cap-indexing mechanics after 2027 are also unverified, with the model using a flat cap plus a labeled estimate.

The calculator runs entirely in the user's browser with no login, cookies, or personal data collection, and the underlying math is open source. It is described as an independent educational tool that is not affiliated with or endorsed by the U.S. government, the IRS, or trumpaccounts.gov. The site also includes an API & MCP section for developers and offers a Glossary and Methodology page for transparency. The calculator is free and has no ads, funds, or attention-selling mechanisms.

The official website of 530A Model is 530amodel.com.

On Trustburn, 530A Model has a rating of 3.5 out of 5 based on 4 reviews.