New Treasury projections show that the "Trump accounts" offered to American children could grow into a seven-figure nest egg by adulthood, if maximized and left to compound.

The new savings program, tucked into the One Big Beautiful Bill Act and signed into law by President Donald Trump on July 4, offers children an initial one-time $1,000 government investment at birth.

Parents and relatives can contribute up to $5,000 annually to a child’s account until the child turns 18, with the cap potentially adjusted for inflation after 2027. If the maximum contribution is made each year on the child’s birthday through age 17, the account could grow to between $191,500 and $676,400, depending on investment performance.

The financial head start for newborns could grow to as much as $1.9 m

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