Delaware 529 Plan Calculator
2026Delaware 529 plans in 2026: deduction of up to $1,000 ($2,000 on a joint return), per return; only the DE 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.
Delaware 529 State Tax Benefit (2026)
Deduction of up to $1,000 ($2,000 on a joint return), per return. Only contributions to DE529 Education Savings Plan count; money put into another state’s plan earns no Delaware deduction or credit.
Only DE529 accounts qualify, and the $2,000 joint limit is per return. Contributions for K-12 tuition, amounts moved by a beneficiary change, and transfers from another DE529 account are not deductible.
Delaware Tax & Education Facts (2026)
| State Income Tax | progressive (up to 6.6%) |
| 529 State Tax Benefit | Deduction of up to $1,000 ($2,000 on a joint return), per return |
| Plans That Qualify | Only DE529 Education Savings Plan |
| Income Rules | No deduction if federal AGI is over $100,000 ($200,000 joint); there is no phase-out. |
| State Plan | DE529 Education Savings Plan |
| State Sales Tax | 0.00% |
| Avg. Property Tax Rate | 0.51% |
Official Sources: