North Carolina 529 Plan Calculator

2026

North Carolina 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

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.

North Carolina 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.

North Carolina has had no 529 deduction or credit since 2014. If you deducted NC 529 contributions between 2006 and 2013, withdrawals not used for a permitted purpose must be added back to income.

North Carolina Tax & Education Facts (2026)

State Income Tax 3.99% (flat)
529 State Tax Benefit No state tax deduction or credit for 529 contributions
State Plan NC 529 Plan (North Carolina's National College Savings Program)
State Sales Tax 4.75%
Avg. Property Tax Rate 0.62%

Official Sources:

Other North Carolina Calculators