Iowa 529 Plan Calculator

2026

Iowa 529 plans in 2026: deduction of up to $6,100 ($12,200 on a joint return), per beneficiary, per taxpayer; only the IA plan qualifies. 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.

Iowa 529 State Tax Benefit (2026)

Deduction of up to $6,100 ($12,200 on a joint return), per beneficiary, per taxpayer.

Only ISave 529 and IAdvisor 529 qualify; rollovers into an Iowa plan count as contributions.

Only the account owner can deduct, per beneficiary account: spouses who each own an account for one child can deduct $12,200. Contributions made by the Iowa filing deadline (generally April 30) can count for the prior year. K-12 tuition at accredited Iowa schools qualifies up to $20,000 a year; nonqualified withdrawals add back prior deductions.

Iowa Tax & Education Facts (2026)

State Income Tax 3.80% (flat)
529 State Tax Benefit Deduction of up to $6,100 ($12,200 on a joint return), per beneficiary, per taxpayer
Plans That Qualify Only ISave 529 (direct-sold, formerly College Savings Iowa); IAdvisor 529 (advisor-sold)
Limit Indexed Cap rises with inflation each year: $6,100 per beneficiary for 2026 (was $5,800).
State Plan ISave 529 (direct-sold, formerly College Savings Iowa); IAdvisor 529 (advisor-sold)
State Sales Tax 6.00%
Avg. Property Tax Rate 1.25%

Official Sources:

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