529 Plan Calculator
USASee how much you can contribute to a 529 plan and remaining lifetime room. No federal grant; many states offer tax benefits. IRA room.
Lifetime limit $550,000 · Annual limit $19,000
of $550,000
Per beneficiary (state limits may differ)
State tax deductions or credits for 529 contributions vary. Verify with your state and plan provider.
About this calculator
This calculator shows how much you can contribute to a 529 education savings plan and how much lifetime room remains. 529 plans are state-sponsored; there is no federal matching grant, but many states offer tax deductions or credits for contributions. Use it to check contribution limits and remaining lifetime capacity per beneficiary.
How it works
Limits: 529 plans have an annual contribution limit and a lifetime limit per beneficiary (aggregate contributions). We use common federal-style limits; your state plan may have different limits or no annual cap.
State benefits: Many states offer income tax deductions or credits for 529 contributions. Amounts and eligibility vary by state. Check your state's 529 program for details.
Qualified withdrawals for education are tax-free. Non-qualified withdrawals may be taxable and subject to a penalty. Verify with your plan and the IRS. Not tax or financial advice.
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