Invest in every child.

Grow America’s future.

Invest America is a new national program that gives every eligible U.S. child a savings and investment account they can grow over time. Backed by federal legislation, businesses, and charitable organizations, it helps families and employers put children on a stronger financial path into adulthood. 

Sign-ups for Invest America accounts are expected to open on July 4, 2026. 

How Invest America works 

Invest America is designed to give children a financial foundation they can build on as they grow. Here’s the basic idea: 

Eligible children under 18 will be able to receive an Invest America account that parents or guardians can activate.

1

Every child gets an account 

For newborns, the federal government will provide an initial deposit. Private partners, including Michael & Susan Dell, are helping expand this opportunity to older children as well. 

2

Seed money gets it started

Families and employers can add more over time

3

Parents, relatives, community members, and employers can contribute to a child’s account as they grow. When that child becomes an adult, they can use the money for big milestones like education, a first home, or starting a business. 

Learn more in our FAQs

A First Step Toward a Stronger Financial Future 

For Parents & Guardians

A simple way to start savings for your child

Invest America makes it easier for families to build long-term savings. When sign-ups open on July 4, 2026, parents and caregivers will be able to: 

  • Open an investment account for their child online in just a few steps 

  • Add contributions over time, even in small amounts 

  • Invite family, friends, and employers to help the account grow 

As the account grows, children can learn about saving and planning for the future, and step into adulthood with money set aside for goals like education, a first home, or starting a business. 

Sign up for updates

Michael and Susan Dell’s $6.25B Contribution

Expanding Invest America to more children

Michael and Susan Dell are making a historic $6.25 billion commitment to help more children benefit from Invest America. Through their charitable funds, they’re contributing to 25 million accounts so children can start with real savings already in place. 

Their gift works alongside the Invest America Act to extend this opportunity to older children, making it possible for even more families to take the first step toward long-term financial security.

Watch the announcement →

For Business Leaders and Philanthropists

Partner with us to grow opportunity for millions of children

The Invest America Pledge gives companies and philanthropists a straightforward way to help families build long-term savings for their children. By joining the pledge, partners can learn more about: 

  • Offering contributions to employees’ Invest America accounts for their children 

  • Targeting additional support to communities you serve 

  • Connecting corporate giving to a nationwide initiative expanding access and opportunity 

Businesses and philanthropies can help turn America’s economic growth into a real financial stake for the next generation. 

Learn about our pledges →

Frequently Asked Questions

  • Parents and families can add contributions of up to $5,000 per year, but no investing knowledge is needed—the account is professionally managed for you. Funds are locked until the child turns 18, ensuring the money remains invested throughout their childhood. The goal is simple: to give every young American a real financial foundation for education, homeownership, retirement, and lifelong opportunity. 

  • All American children under the age of 18 are eligible to open an Invest America Account. Parents or guardians can set up an account at any time to begin saving and investing on their child’s behalf. Families can contribute up to $5,000 per year, with the money invested in low-cost, diversified stock market funds that grow tax-free until the child reaches adulthood. 

  • Funds in an Invest America Account are locked until the child turns 18. This ensures the money is protected and has time to grow. Once the account holder becomes an adult, they can begin using the funds for important milestones in life. Qualified expenses include: 

    • Education – tuition, fees, and other costs for college or professional training. 

    • Homeownership – a down payment on a first home. 

    • Entrepreneurship – seed money to start a business. 

    Any money not used stays in the account, continuing to be invested and compounding over time. This creates both an immediate boost at age 18 and a lasting source of long-term financial security.

  • If you start with the $1,000 seed and contribute just $750 per year, and the account earns the historical 8% annual return of the stock market, that account could grow to more than $48,000 by the time your child turns 18. That’s not just a number on a statement—it represents a down payment on a first home, tuition at a university, or startup capital to pursue a dream. 

  • Anyone can contribute to an Invest America Account—parents, grandparents, relatives, friends, and even employers. Each child can receive up to $5,000 in contributions per year, and the money grows tax-free until age 18. Contributions are flexible, so families can add small amounts over time or larger gifts all at once.