$
Crunching numbers...
Crunching numbers...
Loading life stage...
Invest $500/month from birth and have $225K tax-free for college by age 18. The earlier you start, the less you need to save.
$225K
$500/month from Birth
By age 18 (7% return)
$30-50K
Tax Savings
Avoided capital gains tax
Up to $10K
State Deduction
30+ states offer deductions
$500/month from Birth to Age 18 (7% return)
Open in Any State
Not limited to your state's plan. Compare fees and investment options across states.
Invest in Index Funds
Choose age-based portfolio (auto-shifts conservative near college) or DIY with index funds.
Growth is Tax-Free
No capital gains tax when used for qualified education expenses.
Withdraw for Education
Tuition, room/board, books, laptops, K-12 (up to $10K/yr), and now Roth IRA rollover.
Top Plans by Expense Ratio
| Feature | Expense Ratio | Notable Features |
|---|---|---|
| Utah my529 | 0.02-0.19% | Vanguard funds, ultra-low cost |
| Nevada Vanguard 529 | 0.13-0.15% | Simple Vanguard index options |
| New York 529 Direct | 0.12-0.17% | Vanguard, state tax deduction for NY residents |
| California ScholarShare | 0.08-0.34% | No state tax benefit (CA has none) |
| Illinois Bright Start | 0.07-0.32% | State deduction up to $20K (married) |
SECURE 2.0 Game Changer (2024+)
Overfunding Risk Is Gone
Key Takeaways