Illustrative only — not advice

What could my kid’s account be worth?

Uses the current $1,000 government pilot seed for eligible births 2025–2028 (IRS/Treasury) and caps the employer input at $2,500/year (section 128 tax-free limit). Returns are assumed, not predicted.

Starting late?

Starting late? See how much you need

Enter your child's age today and a goal for age 18. We show the monthly amount, or the one-time lump sum, that could get you there at your assumed return.

Default: what $100/month from birth plus the $1,000 seed would reach by 18 at this return. Reset to default

The seed applies only to eligible children born 2025–2028 (IRS Notice 2025-68). Most kids aged 2 or older today were born too early to get it.

Illustrative only, not advice. Assumes monthly deposits, monthly compounding, a steady return, and no fees or taxes. The yearly contribution limit (generally $5,000) can cap how much you can catch up.

Growth from birth

Default $1,000 per IRS Notice 2025-68 for eligible children born 2025–2028. Set to 0 if not eligible.

Overall annual contribution limit is generally $5,000 (family + employer section 128), indexed after 2027.

Tax-free employer contributions capped at $2,500/yr under Treasury/IRS guidance for this illustration.

This tool is for education only. It is not financial, tax, or investment advice. Actual returns, fees, eligibility, and tax treatment will differ. Confirm current law at IRS.gov and Treasury.