Michael Dell and his wife, Susan, have committed $6.25 billion to deposit $250 into investment accounts for about 25 million American children aged 10 and under in lower- and middle-income areas. The donation builds on a Trump administration program that will provide a $1,000 government deposit for newborns from 2025 through 2028, using accounts administered by the U.S. Treasury and promoted by the nonprofit Invest America.
Michael Dell, founder and CEO of Dell Technologies, and his wife, Susan Dell, have pledged $6.25 billion to support an initiative that will place $250 into investment accounts for roughly 25 million American children, according to the Daily Wire and other outlets. The pledge is part of a broader federal program informally known as “Trump Accounts,” which was created under President Donald Trump’s One Big Beautiful Bill Act.
Under the structure described by the Treasury Department and reported by multiple news organizations, the Trump Accounts program provides a one-time $1,000 government contribution for children born in the United States between Jan. 1, 2025, and Dec. 31, 2028. The Dells’ philanthropy is intended to extend a similar opportunity to children who are 10 and under but were born before Jan. 1, 2025, and therefore do not qualify for the federal seed money.
According to Invest America, the advocacy group that helped champion the program, the Dells’ $6.25 billion commitment will supply $250 to each eligible child’s account. Eligibility will be based in part on geography: the deposits are slated for children living in ZIP codes where the median household or family income is below about $150,000, a threshold that has been cited in several reports on the initiative. The Dells and program backers have framed the effort as a way to promote long-term saving and asset-building among families who might otherwise struggle to set aside money for their children’s futures.
In public remarks promoting the initiative, Michael Dell has said the program is designed to reach children excluded from the government-funded newborn accounts and to encourage families to keep contributing over time. He has also argued that giving children even small financial stakes can improve long‑term outcomes, including staying in school and building wealth in adulthood, though those broader claims are based on academic research about child savings accounts generally rather than on results from the newly created Trump Accounts program.
The Trump Accounts were authorized as part of Trump’s signature tax and spending package, sometimes referred to by the administration as the “Big, Beautiful Bill” or the One Big Beautiful Bill Act. The accounts are opened and overseen through the U.S. Department of the Treasury and must be invested in low-cost, diversified index funds that track the overall U.S. stock market, according to program descriptions published by the Treasury and summarized in outlets such as the Associated Press and The Guardian. Children can generally access the funds when they turn 18, with permitted uses including education, job training, purchasing a first home or starting a business.
Parents and other family members will be allowed to add up to $5,000 per year to each account beginning in 2026, and employers may make additional contributions that receive favorable tax treatment, according to reporting by the Washington Post and Fox Business. Nonprofit organizations can also contribute. The accounts are open to all American children under 18 who have a Social Security number, but the federal government’s $1,000 contribution is limited to the 2025–2028 birth cohort.
Invest America, founded by venture capitalist Brad Gerstner, has been a key outside proponent of the Trump Accounts. According to the Daily Wire and other reports, Gerstner played a central role in persuading Michael Dell to support the idea and has worked with the Trump administration to shape the policy. The organization has described the Dells’ pledge as the largest private philanthropic commitment ever directed specifically to American children.
The Dells have said they hope the high-profile pledge will encourage other corporations and wealthy individuals to donate to the accounts and to help families claim them. The accounts are expected to become operational on July 4, 2026, aligning with the 250th anniversary of U.S. independence, though some implementation details have not yet been finalized.
President Trump has publicly praised the donation and the Trump Accounts program, calling them a historic investment in American children and urging more private-sector participation. In social media posts and public statements highlighted by several outlets, Trump singled out Michael and Susan Dell for their support and predicted additional philanthropic commitments to follow.
Michael Dell, who founded his company in 1984 under the name PC’s Limited before it became Dell Technologies, is among the world’s wealthiest individuals. Forbes has put his net worth at roughly $148 billion, a figure widely cited in coverage of the Trump Accounts donation.
