Michael and Susan Dell, well-known for their long-standing philanthropy, have announced a major new charitable commitment: a $6.25 billion donation to support personal investment accounts for millions of children across the United States.
The initiative is tied to the launch of “Trump Accounts,” a government-supported savings program designed to help American kids build wealth over the long term. These accounts are scheduled to open in 2026 and are part of the federal “One Big Beautiful Bill Act.”
Under the program, the U.S. Treasury will deposit $1,000 into the accounts of eligible children born between January 1, 2025 and December 31, 2028. The Dells’ massive gift will expand funding to children who do not qualify under that federal cutoff — specifically kids aged 10 and under who were born before 2025. Those children will receive $250 each to kick-start their accounts.
With this contribution, at least 25 million children will receive access to seed funding, making the pledge one of the largest private investments ever directed toward children’s financial futures in America.
Michael Dell said that the power of investing early can create meaningful opportunities years down the road. By placing funds in tax-deferred accounts invested in index or mutual funds, these savings can potentially grow significantly by the time a child becomes an adult.
Parents will be able to open these accounts online beginning July 4, 2026, and can continue to contribute up to $5,000 per year, including optional employer contributions. Withdrawals will be restricted until children turn 18, at which point the funds can be used for education costs, a first home, or even to start a small business.
The Dells noted that their goal is to ensure that children — especially those living in moderate-income neighborhoods — feel they have something to build toward. The program aims to reach families across 75% of U.S. ZIP codes, prioritizing communities with a median income below $150,000.
Susan Dell emphasized that creating opportunity at a young age can shape the future of the entire country. “Kids are our future,” she said. “Giving them hope and a financial starting point can make a lasting impact.”
With additional philanthropists expected to join the effort, supporters of the program believe that this initiative could spark a new era of financial empowerment for the next generation.