Planning Tool · Custodial Accounts

Child Investment
Account Calculator

See how consistent investing on behalf of a child can compound into a meaningful head start. Model UGMA/UTMA or custodial Roth IRA growth from birth to adulthood with real return assumptions.

HOW TO USE THIS TOOL

Choose the account type (UGMA/UTMA or Custodial Roth IRA).

Enter the initial deposit, monthly contribution, and expected annual return.

Set the child’s current age and your target end age.

The calculator projects the final balance and total contributions vs. growth.

Free Self-Help Tool

Educational tool only. Results are hypothetical estimates based on your inputs and general assumptions. They are not personalized investment, tax, legal, or Social Security advice and do not create an advisory relationship. Actual results may differ materially.

Child's Age

years old

Starting Balances

Trump Account iIRC § 530A Trump Account. Eligible children born 2025–2028 receive a $1,000 federal pilot seed; Dell Foundation ($250) and employer matches (up to $2,500 under IRC § 128) can stack toward starting balances. Annual contributions are capped at $5,000/yr. Opened exclusively via Treasury trustee custodians at trumpaccounts.gov. (CleverAlpha does not custody Trump accounts; this calculator is an educational simulator).

529 College Savings iContribution limits for 529 plans are set by each state, not by the IRS. States' total contribution caps vary widely, but many fall in the range of roughly $300,000 to $550,000 per beneficiary. Check your specific state's 529 plan for its current limit.

Custodial Roth iA Roth IRA opened on behalf of a minor. Contributions are made with after-tax dollars and grow tax-free. The child must have earned income, and contributions cannot exceed their earned income for the year.

UGMA iUniform Gifts to Minors Act account. A custodial account with no contribution limits. Assets transfer to the child at the age of majority. Investment gains may be subject to the kiddie tax.

Total Starting Balance iSum of all four account starting balances. Editing this value will pro-rata adjust each account's starting balance based on their current proportions, respecting individual account caps.

Growth & Contributions

Growth Rate iThe expected annual rate of return on investments across all accounts. Historical stock market average is ~7-10%.

Total Annual Contribution iTotal amount contributed across all accounts per year. This is distributed proportionally based on starting balances, respecting each account's contribution cap.

Projected Outcome

Target Future Value at 18 iThe projected total value of all accounts at age 18. Editing this value will reverse-calculate and pro-rata adjust each account's starting balance based on current proportions, keeping contributions and growth rate fixed.

General Limits & Constraints:
Trump Account: $5,000/yr cap (IRC § 530A; $1,000 federal seed for 2025–2028 births; Dell Foundation $250 for 2016–2024 births in eligible ZIPs) | 529: State-specific aggregate balance limits (not annual caps); consult your plan | Custodial Roth: Annual IRA limit, subject to earned income rules and IRS limits | UGMA/UTMA: No plan-level cap; transfers may have gift-tax implications

Fiduciary Disclosure: CleverAlpha Asset Management LLC provides this simulator strictly for educational analysis. CleverAlpha does not open or custody Trump Accounts or 529 plans. Want to see if your child qualifies for seed gifts and employer matches? Use our Trump Account Gift & Eligibility Finder →

Age 1 - Current Allocation

Adjust Today's Amounts - Watch Tomorrow's Wealth Grow

$6,950

Drag slice edges to reallocate

Age 18 - Future Value

Set Your Future Target - Discover What It Takes Today

$330,356

Drag slice edges to reverse-calc

Account	Starting	Annual Contrib	Age 18 Value	% of Total

Disclaimer: This calculator is for illustrative purposes only and does not constitute financial advice. Actual returns will vary. Contribution caps and tax rules are subject to change. Consult a qualified financial advisor for personalized guidance.

Child InvestmentAccount Calculator

Child Investment
Account Calculator