California 529 Plan Calculator

2026

California 529 plans in 2026: no state tax deduction or credit for 529 contributions. Project your college savings growth.

By Konstantin Iakovlev · Updated October 19, 2026 · Methodology

years
years
$
$
%
$
years

Total College Cost

$176,766.87

With 4% inflation

Projected Savings

$58,861.83

Funding

33%

Funding Gap

$117,905.04

Monthly Needed to Fully Fund

$750.77

529 Plan Projection

Years Until College13 years
Total College Cost (with inflation)$176,766.87
Current Balance$0.00
Total Contributions$39,000.00
Investment Growth+ $19,861.83
Projected Savings at College$58,861.83
Funding Gap$117,905.04
Monthly Contribution Needed$750.77

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

California 529 State Tax Benefit (2026)

No state tax deduction or credit for 529 contributions. The federal benefits still apply: earnings grow tax-free and withdrawals for qualified education are not taxed.

California offers no deduction or credit for 529 contributions. Nonqualified withdrawals owe a 2.5% state additional tax instead of the federal 10%, and California does not follow the federal rule allowing 529-to-Roth IRA rollovers.

California Tax & Education Facts (2026)

State Income Tax progressive (up to 13.3%)
529 State Tax Benefit No state tax deduction or credit for 529 contributions
State Plan ScholarShare 529
State Sales Tax 7.25%
Avg. Property Tax Rate 0.69%

Official Sources:

Other California Calculators