Invest America Accounts for Parents
Invest America is a new national initiative that gives every child under 18 access to an investment account that families can open and grow over time. These accounts help children build long-term savings, while creating natural opportunities to teach children about money as their accounts grow. Over time, these accounts can strengthen financial confidence, narrow wealth gaps, and give children a more secure path into adulthood.
Who can get an Invest America account
Every American child can have an Invest America account.
Available to all children in the U.S. under age 18 with a Social Security number.
Parents or guardians open and oversee the account.
Accounts are secure, low-cost, and professionally managed.
The program is overseen by the U.S. Treasury to help ensure transparency and safety.
How the money gets started
Children born on or after January 1, 2025, receive $1,000 automatically.
A $1,000 federal deposit is added at birth.
Parents can contribute up to $5,000 per year to help the account grow.
Extra support for children born before 2025
Many children born before 2025 may also receive a contribution funded by Michael & Susan Dell through their charitable funds.
Children age 10 and under may receive an initial deposit of $250.
This deposit is not available to children who receive the federal newborn deposit.
These gifts are expected to reach up to 25 million children once parents open their accounts.
If demand is higher than expected, priority goes to younger children first.
Remaining funds may open eligibility for older children beginning in January 2027.
When your child can use the money
Starting at age 18, your child can use a portion of the savings for important early-adulthood needs, such as:
Education or job training
Starting a business
Buying a first home