Trump Account Employer Match Directory
One of the best surprises in the Trump Account program is that your employer can add money too — and dozens of large companies have already announced they will. But announcements are not all equal: some are detailed company programs with exact amounts, others are a line in a news story. This directory separates the two, so you can tell a confirmed benefit from a headline. Last updated October 24, 2026. Programs change — always confirm with your own HR before counting on any amount.
Confirmed programs — company announcements with amounts
Each entry below comes from the company's own announcement (as documented in Americans for Tax Reform's tracker of 101 contributing entities). "Match" means the employer adds its money on top of the federal $1,000 seed for an eligible child; it does not replace it.
| Employer | Program | Who qualifies |
|---|---|---|
| IntraFi | Up to $2,500 — $1,000 match of the federal seed, plus up to $1,500 more in matching funds for employees who contribute | Newborn children of eligible employees (April 2026 announcement) |
| Delta Air Lines | $1,000 one-time match of the federal contribution | Eligible children of employees (September 2026 announcement) |
| American Airlines | $1,000 one-time match of the federal contribution; employees may also direct up to $2,500/yr pre-tax through a cafeteria plan | Eligible children of employees (August 2026 announcement) |
| Edward Jones | $1,000 dollar-for-dollar match of the Treasury seed | Newborn children of eligible U.S. associates (May 2026 announcement) |
| SAP SE | $1,000 one-time contribution per eligible child | Children of U.S.-based employees |
| S&P Global | $1,000 match of the government's contribution | Employees' eligible children born January 1, 2025 – December 31, 2028 (April 2026 announcement) |
| Strategy, Inc. | $1,000 birth-year match plus $250 every year per eligible child under 18 | Children of U.S. employees, any birth year for the $250/yr; the $1,000 match applies to children born on/after January 1, 2025 (August 2026 announcement) |
| Pivot Bio | Up to $1,000 per child per year for employees (aggregate capped at the $2,500 per-employee IRS limit) | Eligible U.S.-based full-time team members with dependent children (June 2026 announcement) |
Two patterns are worth noticing. First, the $1,000 match dominates because it mirrors the federal seed — it is easy to explain in a benefits brochure. Second, the richer programs (IntraFi, Strategy, Pivot Bio) layer an annual amount on top, but all of them still run into the same two ceilings: $2,500 per employee per year, and $5,000 per child per year across every source. A $1,000 employer match leaves $4,000 of room for family money that year; a full $2,500 employer contribution leaves $2,500.
Also announced — program confirmed, public details thin
The following employers have publicly committed to Trump Account contributions, but the announcements found did not specify an exact amount or eligibility rule. Treat these as "ask HR" rather than as a promised figure: JPMorgan Chase, Bank of America, Wells Fargo, Charles Schwab, SoFi, BNY, BlackRock, Visa, Intel, Nvidia, Broadcom, IBM, Comcast, Uber, Coinbase, Nasdaq, State Street, Goldman Sachs, Morgan Stanley, Citi, Mastercard, and others. Treasury's August 2026 statement put the committed-company count above 50, and later reporting put it above 70 — the list is still growing, and small employers can join at any time under the same §128 rules.
Not employer matches — do not confuse these
- Dell $250 — charitable, not a match. The Michael & Susan Dell Foundation's $6.25 billion general contribution went to 25 million children born 2016–2024 in lower-income ZIP codes (final cutoff: ZIP median family income about $117,300 or less). It has nothing to do with working for Dell, it does not count toward the $5,000 limit, and all deposits were made as of October 9, 2026. Check it with our eligibility checker.
- Musk SpaceX share — pledged, not deposited. One SpaceX share per child was pledged in October 2026, with no claim process and no deposit yet. It is philanthropy, not an employer benefit. See our SpaceX pledge explainer.
- State and community seeds. States, cities and foundations are also funding accounts for defined groups of children (for example, babies born in a city in a given year). Those are qualified general contributions — they do not count toward the $5,000 limit either, and they are not employer matches.
How to check with your employer
Ask HR or your benefits team these four questions, in this order:
- Is it the employer's money, or my pre-tax salary redirection? Both can appear as a "Trump Account benefit", but only the employer's own contribution is new money; a §125 cafeteria-plan redirection is your own pay traveling tax-free.
- How much, and is it one-time or annual? A $1,000 one-time match and a $250/year program are very different over 18 years.
- How is it split across several children? The $2,500 cap is per employee, not per child — with three children, the split matters.
- Has the account been claimed? Nobody — employer included — can contribute to an unclaimed account. Claim first: our claim guide walks through it.
One prerequisite applies to everyone: the child's account must be claimed before any contribution lands. And one warning: if your employer offers nothing yet, that is not the end of the story — any employer can set up a §128 program (a separate written plan, for the exclusive benefit of employees, meeting nondiscrimination requirements), and the rules are still moving from proposed toward final regulations. Point your HR team at our employer rules page.
Frequently asked questions
Do employers match the $1,000 Trump Account seed?
Many do. The most common announced program is a one-time $1,000 match of the federal seed for eligible employees' children. The U.S. Treasury said in August 2026 that more than 50 companies had committed to employee Trump Account contributions.
Does an employer match count toward the $5,000 yearly limit?
Yes. Employer contributions under section 128 count toward the child's $5,000 combined annual limit, and are themselves capped at $2,500 per employee per year across all of that employee's children.
Is the Dell $250 an employer match?
No. The Dell $250 is a charitable general contribution from the Michael & Susan Dell Foundation to 25 million children born 2016-2024 in lower-income ZIP codes. It is not tied to working for Dell, and it does not count toward the $5,000 limit.
My employer is not listed here. Does that mean they offer nothing?
No. This directory lists programs confirmed in public announcements; many programs are still rolling out through HR and have not been publicly detailed. Ask your HR or benefits team directly — and note that any employer can set up a section 128 program.
Sources
Programs verified against company announcements as documented October 24, 2026.
- Americans for Tax Reform — List of 101 entities providing Trump Account contributions (company announcements documented)
- IRS — Proposed regulations on employer contributions (IR-2026-90, August 11, 2026)
- IRS — Instructions for Form 4547, Trump Account Election(s)
- InvestAmerica — Dell $250 eligibility (general contribution, not an employer match)
Projections are estimates based on the return you choose; they are not a guarantee and this site is not financial advice. Program rules follow IRS and Treasury guidance and may change. Employer programs change — confirm amounts and eligibility with your employer's HR or benefits team.