American Birthday Accounts — Bonus Estimator

1Program Design

Initial investment at birth ($0–$50,000)

Investment growth nominal

Inflation rate

Median income growth nominal

Share claimed
at 1st birth

Share of remainder
at 2nd birth

Share of remainder
at 3rd birth

Min. age
1st claim

Min. age
2nd claim

Min. age
3rd claim

Tax rate on benefits (claimed as ordinary income)

Assumptions (advanced)

Median household income, 2025 nominal, used for the "% of median income" benchmark

The account is modeled for a child born today (2026). All rates are nominal; results are also shown deflated to today's dollars.

2The Family

Enter the parent's age at each birth, or mark a birth as "Never." Married parents claim roughly double, since both spouses hold accounts.

3Estimated Bonus

Birth	Claim age	Fund before	Share	Gross	After tax	Net received	Today's $	% med. income

Fund Growth & Withdrawals

Fund balance Birth / withdrawal

Fund value by the parent's age (nominal dollars). Drops mark each birth claim.

How much would this plan change fertility?

Your policy would likely increase fertility rates by somewhere —.

What would it cost?

Cost = CBO-projected U.S. births, 2026–2035 (Demographic Outlook, Jan 2025) × the initial investment set above. Federal revenue = CBO total revenues from all sources, 2026–2035 (Budget & Economic Outlook, Jan 2025). Public school spending = latest annual U.S. public K–12 expenditures (NCES) × 10. All figures nominal.