North Dakota 529 Plan Calculator

2026

North Dakota 529 plans in 2026: deduction of up to $5,000 ($10,000 on a joint return), per return; only the ND 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.

North Dakota 529 State Tax Benefit (2026)

Deduction of up to $5,000 ($10,000 on a joint return), per return.

Only College SAVE qualifies; money rolled over from another 529 plan into College SAVE does not count.

You can deduct your contributions whether or not you own the account. The $10,000 joint limit is per return.

North Dakota Tax & Education Facts (2026)

State Income Tax progressive (up to 2.5%)
529 State Tax Benefit Deduction of up to $5,000 ($10,000 on a joint return), per return
Plans That Qualify Only College SAVE (North Dakota's 529 College Savings Plan)
State Plan College SAVE (North Dakota's 529 College Savings Plan)
State Sales Tax 5.00%
Avg. Property Tax Rate 0.94%

Official Sources:

Other North Dakota Calculators