Louisiana 529 Plan Calculator

2026

Louisiana 529 plans in 2026: deduction of up to $2,400 ($4,800 on a joint return), per beneficiary; only the LA 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.

Louisiana 529 State Tax Benefit (2026)

Deduction of up to $2,400 ($4,800 on a joint return), per beneficiary. Only contributions to START Saving Program (Louisiana Student Tuition Assistance and Revenue Trust) count; money put into another state’s plan earns no Louisiana deduction or credit.

Unused room carries forward: if deposits fall below $2,400 ($4,800 joint), the difference raises later years' limits, with no time limit.

Only the START account owner can claim the exemption, per beneficiary. START K12 accounts have a separate exemption of $1,200 ($2,400 joint) per beneficiary. Low-income beneficiaries (family AGI under $30,000 or eligible for free lunch) can get a double exclusion on certain accounts.

Louisiana Tax & Education Facts (2026)

State Income Tax 3.00% (flat)
529 State Tax Benefit Deduction of up to $2,400 ($4,800 on a joint return), per beneficiary
Plans That Qualify Only START Saving Program (Louisiana Student Tuition Assistance and Revenue Trust)
State Plan START Saving Program (Louisiana Student Tuition Assistance and Revenue Trust)
State Sales Tax 5.00%
Avg. Property Tax Rate 0.56%

Official Sources:

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