Project your 529 plan growth, calculate state tax deduction savings, and find your required monthly contribution to meet any college cost target. Browser-only. No data leaves your tab.
🔒 All inputs are processed locally in your browser. Nothing is transmitted, stored, or logged. Inputs disappear when you close the tab.
Child & Account Details
Age 0–17
Historical 529 age-based portfolios: 4–8%
State Tax Deduction
Used for deduction calculation; can override
Projection Summary
Balance Milestones
State Tax Deduction Savings
College Cost Coverage Analysis
School Tier
4-Year COA Est.
Projected Balance
Gap / Surplus
SECURE 2.0 Act — Unused 529 → Roth IRA Rollover (2024+)
If your 529 has excess funds after college, you may roll unused amounts into a Roth IRA for the beneficiary — up to $35,000 lifetime, subject to a 15-year holding rule (account must be open ≥15 years) and annual Roth contribution limits. Rollovers are tax-free and penalty-free. Source: SECURE 2.0 Act §126 (IRC §529(c)(3)(E)).
⚠ FAFSA Impact: 529 plan assets owned by a parent are counted at up to 5.64% in the SAI (Student Aid Index) calculation. Your projected balance at college start may reduce need-based aid eligibility. Use AL-17 (FAFSA SAI Simulator) to model the impact alongside your savings plan.
Export
Continue With
Savings Target
Use school tier estimates from Tab 1 as a guide
Required Monthly Contribution
Sensitivity Table — Monthly Contribution by Years & Return
Highlighted cell = your current inputs
Export
Policy Mandate Inbound — Load from AL-17 (FAFSA SAI Simulator)
Paste a Policy Mandate from AL-17 to pre-fill state and filing status.
◆ Data vintage: IRS Pub. 970 (2025 ed.) · State 529 deduction rules as of Jan 2026 (verify with state revenue department) · NCES IPEDS average COA 2023-24 · SECURE 2.0 Act §126 · HHS FPL 2026. This tool is for educational planning purposes only and does not constitute financial or tax advice.
Export Formats
Markdown — Human-readable projection report. Paste into any document, email, or notes app.
Policy Mandate (JSON) — Structured export. Carries your full scenario state to AL-32 (Parent College ROI Planner) or any compatible agent tool.