Kentucky 529 Plan Calculator
2026Kentucky 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
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.
Kentucky 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.
Kentucky offers no deduction or credit for 529 contributions. Earnings on qualified withdrawals are exempt from Kentucky tax.
Kentucky Tax & Education Facts (2026)
| State Income Tax | 3.50% (flat) |
| 529 State Tax Benefit | No state tax deduction or credit for 529 contributions |
| State Plan | KY Saves 529 (Kentucky Education Savings Plan Trust, administered by KHEAA) |
| State Sales Tax | 6.00% |
| Avg. Property Tax Rate | 0.72% |
Official Sources: