Can unused 529 plan funds be rolled over into a Roth IRA?

Yes. Under SECURE 2.0, up to $35,000 of unused 529 funds can be rolled over tax-free into the beneficiary's Roth IRA if the account is 15+ years old.

Can 529 funds be used for K-12 private school tuition?

Yes, up to $10,000 per student per year can be withdrawn tax-free from a 529 plan for K-12 elementary or secondary private school tuition.

アメリカ529 College Savings & State Tax Deduction財務・給与

US 529 College Savings Plan Growth & State Tax Deduction Calculator

Calculate future college tuition funds for your child, 100% tax-free compound investment growth for qualified education expenses, state tax deduction savings, and SECURE 2.0 Roth IRA rollover eligibility (up to $35,000 lifetime).

教育・大学貯蓄・預金税金・関税

入力パラメータ

リアルタイム自動計算

Child's Current Age (Years)3 yrs

0 yrs17 yrs

Initial 529 Account Deposit ($)

クイック選択:

Monthly Contribution Amount ($/mo)

クイック選択:

Expected Annual Portfolio Return (%)7 %

3 %11 %

計算結果529 College Savings & State Tax Deduction

Estimated Total 529 College Fund at Age 18

$204,832

100% Tax-Free Investment Growth & Earnings

$136,832

Total Out-of-Pocket Cash Contributed by Parents

$68,000

詳細な計算内訳

Principal Deposited

$68,000

Tax-Free Gains

$136,832

College Nest Egg

$204,832

計算方法と根拠

Future 529 Balance = Initial Deposit * (1+r)^t + Monthly Contribution * [((1+r/12)^(t*12) - 1) / (r/12)]. State Tax Saved = Annual Contribution * State Tax Rate%.

法的免責事項および案内

Withdrawals used for qualified education expenses (tuition, fees, books, room & board) are 100% exempt from federal and state income taxes.

本計算機は教育および参考目的のみに提供されています。表示される結果は法的または拘束力のある助言を構成するものではありません。

よくある質問 (FAQ)

529 funds can be withdrawn 100% tax-free for qualified education expenses including college tuition, room and board, books, and student loan repayment.

US 529 College Savings Plan Growth & State Tax Deduction Calculator

入力パラメータ

詳細な計算内訳

計算方法と根拠

法的免責事項および案内

よくある質問 (FAQ)

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