Baby Account · Government Proposal

$1,000 from the government
on the day you are born.

A proposed policy that gives every newborn a tax-advantaged investment account seeded with $1,000. See exactly what that money becomes by age 18 — and how your contributions amplify it.

How it works

Four things that make baby accounts powerful

🏛️
01
Government seeds $1,000 at birth

Every child receives $1,000 placed into a tax-advantaged investment account on the day they are born — no application required, no strings attached.

📈
02
Money grows tax-free

Unlike a regular savings account, gains inside a baby account compound without being eroded by annual taxes. Every dollar stays in the account working for your child.

💸
03
Parents can add contributions

Families can contribute additional funds each month. Even $50/month dramatically amplifies the government's seed — thanks to compound interest over 18 years.

🎓
04
Unlocks at age 18

At 18, the full balance is available for education, a first home, starting a business, or investing further. The account is theirs — built over their entire childhood.

Interactive simulator

What does $1,000 become?

Adjust the sliders to model your scenario. All projections are illustrative.

$100/mo
$0$250$500/mo
📅18-year horizon · Government seed: $1,000 · Tax-advantaged growth
Balance at age 18
$52,209
52.2× the government's original $1,000
Total contributed
$22,600
you + govt
Investment growth
$29,609
tax-free gains
Breakdown of final balance
Govt $1kYour contributionsGrowth
Comparison

How monthly contributions change everything

All scenarios use the Balanced strategy (8% annual return). Switch strategies using the simulator above.

Monthly add
Balance at 18
Total put in
Investment gains
vs. Savings acct
Govt only
$4,201
$1,000
+$3,201
$1,000
$3,201 more with Kapitl
+$50/mo
$28,205
$11,800
+$16,405
$12,016
$16,189 more with Kapitl
+$100/moYOUR PICK
$52,209
$22,600
+$29,609
$23,032
$29,177 more with Kapitl
+$250/mo
$124,222
$55,000
+$69,222
$56,080
$68,142 more with Kapitl
+$500/mo
$244,244
$109,000
+$135,244
$111,160
$133,084 more with Kapitl

Savings account assumes 2% annual interest. Investment projections are illustrative and not guaranteed. Past performance does not predict future results.

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Projections are illustrative only. Not financial advice.