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Yes, up to $10,000 per student per year can be withdrawn tax-free from a 529 plan for K-12 elementary or secondary private school tuition.

EUA529 College Savings & State Tax DeductionFinanças

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).

Educação e Estudos Poupança e Depósitos Impostos e Taxas

Dados de Entrada

Em tempo real

Child's Current Age (Years)3 yrs

0 yrs17 yrs

Initial 529 Account Deposit ($)

Seleção rápida:

Monthly Contribution Amount ($/mo)

Seleção rápida:

Expected Annual Portfolio Return (%)7 %

3 %11 %

Resultado Calculado529 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

Detalhamento do Cálculo

Principal Deposited

$68,000

Tax-Free Gains

$136,832

College Nest Egg

$204,832

Metodologia de Cálculo

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%.

Aviso Legal e Educacional

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

Esta calculadora destina-se a fins educacionais e informativos. Os resultados não constituem consultoria financeira ou jurídica vinculativa.

Perguntas Frequentes

529 funds can be withdrawn 100% tax-free for qualified education expenses including college tuition, room and board, books, and student loan repayment.

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EUA

US 529 College Savings Plan Growth & State Tax Deduction Calculator

Dados de Entrada

Detalhamento do Cálculo

Metodologia de Cálculo

Aviso Legal e Educacional

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