Colorado 529 Plan Calculator
2026Colorado 529 plans in 2026: deduction of up to $26,200 ($39,200 on a joint return), per beneficiary; only the CO plan qualifies. Project your college savings growth.
By Konstantin Iakovlev · Updated October 19, 2026 · Methodology
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 College | 13 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.
Colorado 529 State Tax Benefit (2026)
Deduction of up to $26,200 ($39,200 on a joint return), per beneficiary.
Other states' plans don't qualify. Rollovers from another state's 529 into CollegeInvest count for the contribution portion only, not earnings.
Married couples filing jointly share one limit per beneficiary; other contributors get their own. The limit is shared with CO ABLE contributions for the same beneficiary. Colorado treats K-12 tuition, student-loan repayments and rollovers to another state's plan as nonqualified, so the deduction must be added back.
Colorado Tax & Education Facts (2026)
| State Income Tax | 4.40% (flat) |
| 529 State Tax Benefit | Deduction of up to $26,200 ($39,200 on a joint return), per beneficiary |
| Plans That Qualify | Only CollegeInvest (Direct Portfolio College Savings Plan) |
| Limit Indexed | Cap rises yearly with Colorado public college costs: $26,200 ($39,200 joint) per beneficiary for 2026, up from $25,400 ($38,100). |
| State Plan | CollegeInvest (Direct Portfolio College Savings Plan) |
| State Sales Tax | 2.90% |
| Avg. Property Tax Rate | 0.52% |
Official Sources: