{
  "schemaVersion": 1,
  "edition": "2026-11-10",
  "informationCutoff": "2026-11-10",
  "checkedAt": "2026-11-10",
  "currency": "USD",
  "sources": [
    {
      "url": "https://www.irs.gov/trumpaccounts",
      "date": "live page checked 2026-11-10",
      "scope": "Account and seed eligibility"
    },
    {
      "url": "https://www.irs.gov/newsroom/eligible-children-automatically-enrolled-in-trump-accounts",
      "date": "2026-11-06",
      "scope": "Latest enrollment notice"
    },
    {
      "url": "https://home.treasury.gov/news/press-releases/sb0642",
      "date": "2026-10-01",
      "scope": "Over60m additional auto accounts ready to claim; not funded count"
    },
    {
      "url": "https://uscode.house.gov/us/usc/119-124/t26/s530A/",
      "date": "law current through2026-10-15",
      "scope": "Statute; account, limits, eligible funds"
    },
    {
      "url": "https://home.treasury.gov/news/press-releases/sb0551",
      "date": "2026-07-01",
      "scope": "Initial default and announced ETF lineup, not proof of later availability"
    },
    {
      "url": "https://www.irs.gov/irb/2026-44_irb",
      "date": "2026-10-26",
      "scope": "TD10056 temporary rules effectiveSept30; qualified stock donation exception"
    },
    {
      "url": "https://www.irs.gov/instructions/i4547",
      "date": "2025-12 edition, read2026-11-10",
      "scope": "Growth period, contributions and withdrawal taxation; enrollment superseded byNov6notice"
    },
    {
      "url": "https://www.irs.gov/irb/2025-52_IRB",
      "date": "2025-12-22 bulletin",
      "scope": "Notice2025-68, Q.I-1 employer annual limit per employee"
    },
    {
      "url": "https://www.cdc.gov/nchs/products/databriefs/db571.htm",
      "date": "2026-10",
      "scope": "Final2025births and2024comparison"
    },
    {
      "url": "https://www.cdc.gov/nchs/products/databriefs/db535.htm",
      "date": "2025-07",
      "scope": "Final2023/2024births"
    }
  ],
  "reported": {
    "seedContribution": 1000,
    "ordinaryAnnualLimit2026": 5000,
    "employerExclusionPerEmployee2026": 2500,
    "maxAnnualFundExpenseRatio": 0.001,
    "additionalAutomaticallyEnrolledAccounts": {
      "lowerBound": 60000000,
      "asOf": "2026-10-01",
      "status": "ready to claim, not confirmed funded"
    },
    "births": [
      {
        "year": 2023,
        "value": 3596017
      },
      {
        "year": 2024,
        "value": 3628934
      },
      {
        "year": 2025,
        "value": 3612012
      }
    ]
  },
  "assumptions": {
    "seed": 1000,
    "years": 18,
    "returns": [
      -0.02,
      0.03,
      0.05,
      0.07
    ],
    "basis": "constant nominal total return after ongoing investment costs, before withdrawal tax; no guaranteed return",
    "annualTopups": [
      0,
      600,
      1200,
      5000
    ],
    "topupReturn": 0.05,
    "timing": "seed at t0; topups at each year end;18 full years, not a child's exact legal/calendar horizon",
    "inflationScenario": 0.025,
    "terminalDrawdownScenario": -0.3,
    "limitIndexation": "not modeled"
  },
  "seedGrowth": [
    {
      "year": 0,
      "-0.02": 1000,
      "0.03": 1000,
      "0.05": 1000,
      "0.07": 1000
    },
    {
      "year": 1,
      "-0.02": 980,
      "0.03": 1030,
      "0.05": 1050,
      "0.07": 1070
    },
    {
      "year": 2,
      "-0.02": 960.3999999999999,
      "0.03": 1060.8999999999999,
      "0.05": 1102.5,
      "0.07": 1144.9
    },
    {
      "year": 3,
      "-0.02": 941.1919999999999,
      "0.03": 1092.727,
      "0.05": 1157.6250000000002,
      "0.07": 1225.0430000000001
    },
    {
      "year": 4,
      "-0.02": 922.3681599999999,
      "0.03": 1125.50881,
      "0.05": 1215.5062500000001,
      "0.07": 1310.7960100000003
    },
    {
      "year": 5,
      "-0.02": 903.9207968,
      "0.03": 1159.2740743000002,
      "0.05": 1276.2815625000003,
      "0.07": 1402.5517307000005
    },
    {
      "year": 6,
      "-0.02": 885.8423808639999,
      "0.03": 1194.0522965290002,
      "0.05": 1340.0956406250004,
      "0.07": 1500.7303518490005
    },
    {
      "year": 7,
      "-0.02": 868.1255332467199,
      "0.03": 1229.8738654248702,
      "0.05": 1407.1004226562504,
      "0.07": 1605.7814764784307
    },
    {
      "year": 8,
      "-0.02": 850.7630225817854,
      "0.03": 1266.7700813876163,
      "0.05": 1477.455443789063,
      "0.07": 1718.186179831921
    },
    {
      "year": 9,
      "-0.02": 833.7477621301498,
      "0.03": 1304.773183829245,
      "0.05": 1551.3282159785163,
      "0.07": 1838.4592124201556
    },
    {
      "year": 10,
      "-0.02": 817.0728068875467,
      "0.03": 1343.9163793441223,
      "0.05": 1628.894626777442,
      "0.07": 1967.1513572895665
    },
    {
      "year": 11,
      "-0.02": 800.7313507497959,
      "0.03": 1384.233870724446,
      "0.05": 1710.3393581163143,
      "0.07": 2104.8519522998363
    },
    {
      "year": 12,
      "-0.02": 784.7167237347999,
      "0.03": 1425.7608868461793,
      "0.05": 1795.8563260221301,
      "0.07": 2252.191588960825
    },
    {
      "year": 13,
      "-0.02": 769.0223892601038,
      "0.03": 1468.5337134515648,
      "0.05": 1885.6491423232367,
      "0.07": 2409.845000188083
    },
    {
      "year": 14,
      "-0.02": 753.6419414749017,
      "0.03": 1512.5897248551119,
      "0.05": 1979.9315994393987,
      "0.07": 2578.534150201249
    },
    {
      "year": 15,
      "-0.02": 738.5691026454037,
      "0.03": 1557.967416600765,
      "0.05": 2078.9281794113685,
      "0.07": 2759.031540715336
    },
    {
      "year": 16,
      "-0.02": 723.7977205924956,
      "0.03": 1604.7064390987882,
      "0.05": 2182.874588381937,
      "0.07": 2952.16374856541
    },
    {
      "year": 17,
      "-0.02": 709.3217661806457,
      "0.03": 1652.8476322717518,
      "0.05": 2292.018317801034,
      "0.07": 3158.8152109649886
    },
    {
      "year": 18,
      "-0.02": 695.1353308570327,
      "0.03": 1702.4330612399046,
      "0.05": 2406.619233691086,
      "0.07": 3379.932275732538
    }
  ],
  "topups": [
    {
      "annual": 0,
      "totalContributed": 1000,
      "balance": 2406.619233691086
    },
    {
      "annual": 600,
      "totalContributed": 11800,
      "balance": 19286.050037984114
    },
    {
      "annual": 1200,
      "totalContributed": 22600,
      "balance": 36165.48084227714
    },
    {
      "annual": 5000,
      "totalContributed": 91000,
      "balance": 143068.54260279963
    }
  ],
  "calculations": {
    "seed5Nominal": 2406.619233691086,
    "seed5Real": 1543.0422094072276,
    "topup1200": 36165.48084227714,
    "topup1200After30PercentFall": 25315.836589593997,
    "birthCohortTimes1000": 3612012000
  },
  "limits": [
    "No comparable current count of seed payments actually credited verified.",
    "No confirmed later activation date for all announced ETF choices.",
    "Birth counts do not establish eligibility, enrollment, funding, or budget cost.",
    "No historical return series or forecast; illustrations exclude withdrawal taxes.",
    "Proposed detailed investment regulations are not described as final; statutory constraints and TD10056 distinguished."
  ]
}