Trump Account vs. 529 vs. Mega Backdoor Roth

Same monthly contribution, three different tax treatments — see what each one is actually worth by the time your child turns 18.

Monthly contribution ($)

Same amount compared across all three paths.

Child's current age

Expected annual return (%)

Child's tax rate at withdrawal (%)

Trump Account withdrawals are taxed at the child's own bracket, which can be low.

Years until age 18

—

Trump Account

—

After tax on growth at the child's bracket above.

529 Plan

—

Tax-free only if spent on qualified education.

Mega Backdoor Roth (redirected)

—

Tax-free always — but it's the parent's account, not the child's.

Educational estimate, not tax or investment advice. Assumes the same dollar contribution each month across all three paths and ignores contribution-limit edge cases (the Trump Account's $5,000/year cap, 529 state tax deductions, and your own mega backdoor Roth room, which depends on your 401(k) plan). Trump Account withdrawal tax rules are still being finalized by the IRS — confirm current guidance before relying on this for a real decision.