Montana 529 Plan Calculator
2026Montana 529 plans in 2026: deduction of up to $4,600 ($9,200 on a joint return), per taxpayer; contributions to any state's plan qualify. 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.
Montana 529 State Tax Benefit (2026)
Deduction of up to $4,600 ($9,200 on a joint return), per taxpayer.
Other states' 529 plans qualify; prepaid tuition plan contributions do not.
The account must be owned by you, your spouse, or your Montana-resident child or stepchild. Joint filers get $9,200 if both contribute or the money comes from joint funds. Nonqualified withdrawals owe a recapture tax at Montana's top rate on amounts deducted; 529-to-Roth IRA rollovers count as qualified.
Montana Tax & Education Facts (2026)
| State Income Tax | progressive (up to 5.65%) |
| 529 State Tax Benefit | Deduction of up to $4,600 ($9,200 on a joint return), per taxpayer |
| Plans That Qualify | Any state's 529 plan |
| Limit Indexed | Cap rises with inflation each year: $4,600 ($9,200 joint) for 2026, up from $4,500 ($9,000). |
| State Plan | Achieve Montana |
| State Sales Tax | 0.00% |
| Avg. Property Tax Rate | 0.59% |
Official Sources: