For the Trump Account for kids, the clearest current guidance is that any child under 18 with a Social Security number may be eligible. One source also says the special $1,000 seed money applies to children born during Trump’s second term , which started in January 2025.

What that means

  • If you’re asking about basic eligibility, the cutoff is under 18 and having a Social Security number.
  • If you’re asking about who gets the government’s $1,000 starter deposit , reporting says it’s for children born during Trump’s second term.
  • The accounts launched in July 2026 , so families are just starting to open them now.

Plain-English version

A child born after January 20, 2025 would fall within Trump’s second term, so that’s the birth window most reporting points to for the automatic seed money.
For the account itself, the broader eligibility is not just newborns; it appears to include any eligible child under 18.

Quick note

Because different articles describe the program slightly differently, the safest reading is:

  1. Account eligibility: under 18 with a Social Security number.
  2. $1,000 government deposit: children born during Trump’s second term.

TL;DR

Born on or after January 20, 2025 is the likely cutoff for the $1,000 baby money , while the account itself may be available to any child under 18 with a Social Security number.