529 contribution limits 2026 | Fidelity Individual states sponsor 529 plans and have varying total account maximums determined by a given state In 2026, individuals can gift up to $19,000 (and married couples filing jointly up to $38,000) in a single 529 plan without those funds counting against the lifetime gift tax exemption amount
529 Contribution Limits 2026: Maximums by State and More There is no annual contribution limit set by the IRS for 529 plans You can contribute as much as you want in any given year, subject to your state’s aggregate lifetime limit and federal gift tax rules
529 Plans: Questions and answers - Internal Revenue Service A Yes Contributions can not exceed the amount necessary to provide for the qualified education expenses of the beneficiary If you contribute to a 529 plan, however, be aware that there may be gift tax consequences if your contributions, plus any other gifts, to a particular beneficiary exceed $19,000 during the year
529 Plan Contribution Limits for 2026 - Kiplinger Unlike certain other retirement plans, a 529 plan has no yearly contribution limits However, all states and the District of Columbia have maximum aggregate contribution limits for each 529
529 Annual Plan Contribution Limits by State in 2026 - SoFi The max contributions to 529 plans vary based on the state plan you’re enrolled in Below is a list of 529 contribution limits for 2026 in every state, according to Saving For College, a research company focused on educational policies
What are the Contribution Limits on 529 Plans? 2025 2026 While there are no federal limits on how much you can contribute to a 529 plan, states do set their own lifetime contribution limits These limits vary by state and range from $235,000 to over $500,000