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529 Plan

87 articles

A 529 plan is a tax-advantaged savings account designed to help families set aside money for education costs. These accounts let your savings grow tax-free, and you can withdraw the money without paying taxes on the earnings when you use it for may have access to education expenses like tuition, room and board, books, and computers. Each state offers its own 529 plan, and you can use the money at most colleges, universities, and vocational schools across the country.

The articles here explain how 529 plans work, how much you can contribute each year, what happens to unused money, and how to compare different state plans to find one that fits your situation. You'll also learn how 529 accounts affect financial aid, what expenses count as may have access to, and how to open and manage an account for a child or grandchild.

  1. 01How a 529 Plan Works and What It Costs YouLearn about How a 529 Plan Works and What It Costs You
  2. 02How 529 Plans Get You a Tax Deduction (And When They Don't)Learn about How 529 Plans Get You a Tax Deduction (And When They Don't)
  3. 03When a 529 Plan Makes Financial Sense for Your FamilyLearn about When a 529 Plan Makes Financial Sense for Your Family
  4. 04How 529 Contributions Affect Your TaxesLearn about How 529 Contributions Affect Your Taxes
  5. 05How 529 Contributions Get Tax Treatment at the Federal and State LevelLearn about How 529 Contributions Get Tax Treatment at the Federal and State Level
  6. 06When You Withdraw From a 529 Plan: What Gets Taxed and What Doesn'tLearn about When You Withdraw From a 529 Plan: What Gets Taxed and What Doesn't
  7. 07How 529 Plans Work With Your Taxes: State and Federal Deductions ExplainedLearn about How 529 Plans Work With Your Taxes: State and Federal Deductions Explained
  8. 08How 529 Plans Avoid Taxes on Education SavingsLearn about How 529 Plans Avoid Taxes on Education Savings
  9. 09When a 529 Plan Makes Financial Sense for Your FamilyLearn about When a 529 Plan Makes Financial Sense for Your Family
  10. 10How 529 Plan Contributions Get You a Tax DeductionLearn about How 529 Plan Contributions Get You a Tax Deduction
  11. 11When You Pay Taxes on 529 Plan WithdrawalsLearn about When You Pay Taxes on 529 Plan Withdrawals
  12. 12Federal Tax Deduction for 529 Plan Contributions: What You Actually GetLearn about Federal Tax Deduction for 529 Plan Contributions: What You Actually Get
  13. 13Federal Tax Deduction for 529 Plan Contributions: What You Actually GetLearn about Federal Tax Deduction for 529 Plan Contributions: What You Actually Get
  14. 14Can You Use a 529 Plan to Pay for High School?Learn about Can You Use a 529 Plan to Pay for High School?
  15. 15Room and Board Costs You Can Cover With a 529 PlanLearn about Room and Board Costs You Can Cover With a 529 Plan
  16. 16Can One Child Have Multiple 529 Plans? What Parents Need to KnowLearn about Can One Child Have Multiple 529 Plans? What Parents Need to Know
  17. 17Changing a 529 Plan Beneficiary to Yourself: What Happens and What It CostsLearn about Changing a 529 Plan Beneficiary to Yourself: What Happens and What It Costs
  18. 18How to Deduct New York 529 Contributions Directly From Your PaycheckLearn about How to Deduct New York 529 Contributions Directly From Your Paycheck
  19. 19Moving 529 Money Between Your Children: What You Can DoLearn about Moving 529 Money Between Your Children: What You Can Do
  20. 20Room and Board Coverage in 529 Plans: What Counts and What Doesn'tLearn about Room and Board Coverage in 529 Plans: What Counts and What Doesn't
  21. 21Opening a 529 Plan: Step-by-Step Setup for Education SavingsLearn about Opening a 529 Plan: Step-by-Step Setup for Education Savings
  22. 22How a 529 Plan Works: Opening an Account and Using the MoneyLearn about How a 529 Plan Works: Opening an Account and Using the Money
  23. 23How a 529 Plan Works: Opening an Account, Making Deposits, and Withdrawing for SchoolLearn about How a 529 Plan Works: Opening an Account, Making Deposits, and Withdrawing for School
  24. 24How Many 529 Plans Can One Child HaveLearn about How Many 529 Plans Can One Child Have
  25. 25How Many 529 Plans Can One Child HaveLearn about How Many 529 Plans Can One Child Have
  26. 26How Much You Can Withdraw From a 529 Plan Each YearLearn about How Much You Can Withdraw From a 529 Plan Each Year
  27. 27How Much You Can Put Into a 529 Plan Each YearLearn about How Much You Can Put Into a 529 Plan Each Year
  28. 28How Much You Can Put Into a 529 Plan Each YearLearn about How Much You Can Put Into a 529 Plan Each Year
  29. 29How Much You Can Put Into a 529 Plan Each YearLearn about How Much You Can Put Into a 529 Plan Each Year
  30. 30Annual and Lifetime Contribution Limits for 529 PlansLearn about Annual and Lifetime Contribution Limits for 529 Plans
  31. 31Annual Contribution Limits for 529 Plans: What You Can Give Each YearLearn about Annual Contribution Limits for 529 Plans: What You Can Give Each Year
  32. 32How Much You Can Put Into a 529 Plan Each YearLearn about How Much You Can Put Into a 529 Plan Each Year
  33. 33How Much You Can Put Into a 529 Plan Each YearLearn about How Much You Can Put Into a 529 Plan Each Year
  34. 34How Much You Can Put Into a 529 Plan Each YearLearn about How Much You Can Put Into a 529 Plan Each Year
  35. 35Annual Contribution Limits for 529 Plans: What You Can Save Each YearLearn about Annual Contribution Limits for 529 Plans: What You Can Save Each Year
  36. 36Annual Contribution Limits for 529 PlansLearn about Annual Contribution Limits for 529 Plans
  37. 37How Much You Can Contribute to a 529 Plan Each YearLearn about How Much You Can Contribute to a 529 Plan Each Year
  38. 38How Much Money To Put Into a 529 Plan Each YearLearn about How Much Money To Put Into a 529 Plan Each Year
  39. 39How to Enroll in a Virginia 529 PlanLearn about How to Enroll in a Virginia 529 Plan
  40. 40How To Save For College: Building Your Education Fund Step by StepLearn about How To Save For College: Building Your Education Fund Step by Step
  41. 41Opening a 529 Plan: The Step-by-Step ProcessLearn about Opening a 529 Plan: The Step-by-Step Process
  42. 42How to Open and Fund a 529 PlanLearn about How to Open and Fund a 529 Plan
  43. 43How to Use Your 529 Plan to Pay TuitionLearn about How to Use Your 529 Plan to Pay Tuition
  44. 44How to Withdraw Only Your Contributions From a 529 PlanLearn about How to Withdraw Only Your Contributions From a 529 Plan
  45. 45When You Can Deduct 529 Contributions From Your TaxesLearn about When You Can Deduct 529 Contributions From Your Taxes
  46. 46How 529 Plans Avoid Taxes on Education SavingsLearn about How 529 Plans Avoid Taxes on Education Savings
  47. 47When a 529 Plan Makes Financial Sense for Your FamilyLearn about When a 529 Plan Makes Financial Sense for Your Family
  48. 48How 529 Plans Use Pre-Tax Money to Cut Your Tax BillLearn about How 529 Plans Use Pre-Tax Money to Cut Your Tax Bill
  49. 49Whether 529 Plans Use Pre-Tax or Post-Tax Money — and Why It MattersLearn about Whether 529 Plans Use Pre-Tax or Post-Tax Money — and Why It Matters
  50. 50How 529 Plans Avoid Taxes on Education SavingsLearn about How 529 Plans Avoid Taxes on Education Savings
  51. 51When a 529 Plan Makes Financial Sense for Your FamilyLearn about When a 529 Plan Makes Financial Sense for Your Family
  52. 52Choosing the Right 529 Plan for Your FamilyLearn about Choosing the Right 529 Plan for Your Family
  53. 53What 529 Plans Are and How They WorkLearn about What 529 Plans Are and How They Work
  54. 54What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  55. 55What 529 Plans Are and How They WorkLearn about What 529 Plans Are and How They Work
  56. 56What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  57. 57What You Can Actually Pay for With 529 Plan MoneyLearn about What You Can Actually Pay for With 529 Plan Money
  58. 58What You Can Actually Pay For With 529 MoneyLearn about What You Can Actually Pay For With 529 Money
  59. 59What Happens to a 529 Plan After Your Child GraduatesLearn about What Happens to a 529 Plan After Your Child Graduates
  60. 60How 529 Plans Cut Your Tax Bill and Grow Education Savings FasterLearn about How 529 Plans Cut Your Tax Bill and Grow Education Savings Faster
  61. 61How Much You Can Withdraw From a 529 Plan Without PenaltiesLearn about How Much You Can Withdraw From a 529 Plan Without Penalties
  62. 62What You Can Pay for With 529 Plan MoneyLearn about What You Can Pay for With 529 Plan Money
  63. 63What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  64. 64What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  65. 65What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  66. 66What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  67. 67What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  68. 68What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  69. 69What You Can Actually Spend 529 Money OnLearn about What You Can Actually Spend 529 Money On
  70. 70What You Can Actually Pay For With a 529 PlanLearn about What You Can Actually Pay For With a 529 Plan
  71. 71What You Can Actually Pay For With a 529 PlanLearn about What You Can Actually Pay For With a 529 Plan
  72. 72What You Can Actually Pay For With a 529 PlanLearn about What You Can Actually Pay For With a 529 Plan
  73. 73What a 529 Account Is and How It WorksLearn about What a 529 Account Is and How It Works
  74. 74What a 529 College Savings Plan Is and How It WorksLearn about What a 529 College Savings Plan Is and How It Works
  75. 75How a 529 Plan Works and What It Lets You DoLearn about How a 529 Plan Works and What It Lets You Do
  76. 76How a 529 Plan Works for College SavingsLearn about How a 529 Plan Works for College Savings
  77. 77How a 529 Plan Works: Tax-Advantaged Savings for EducationLearn about How a 529 Plan Works: Tax-Advantaged Savings for Education
  78. 78What a 529 Plan Actually Is and How It WorksLearn about What a 529 Plan Actually Is and How It Works
  79. 79How 529 Plans Work: Tax-Free Growth for Education SavingsLearn about How 529 Plans Work: Tax-Free Growth for Education Savings
  80. 80How to Choose a 529 Plan That Fits Your SituationLearn about How to Choose a 529 Plan That Fits Your Situation
  81. 81How to Choose a 529 Plan That Matches Your SituationLearn about How to Choose a 529 Plan That Matches Your Situation
  82. 82How a 529 Account Works and What You Can Do With ItLearn about How a 529 Account Works and What You Can Do With It
  83. 83Where To Open a 529 Plan AccountLearn about Where To Open a 529 Plan Account
  84. 84Where to Open a 529 Plan and What Each Option CostsLearn about Where to Open a 529 Plan and What Each Option Costs
  85. 85How to Choose the Right 529 Plan for Your SituationLearn about How to Choose the Right 529 Plan for Your Situation
  86. 86Which State's 529 Plan Works Best for Your FamilyLearn about Which State's 529 Plan Works Best for Your Family
  87. 87Who Owns and Controls a 529 PlanLearn about Who Owns and Controls a 529 Plan