Oklahoma 529 Plan Calculator
2026Oklahoma 529 plans in 2026: deduction of up to $10,000 ($20,000 on a joint return), per return; only the OK plan qualifies. 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.
Oklahoma 529 State Tax Benefit (2026)
Deduction of up to $10,000 ($20,000 on a joint return), per return. Only contributions to Oklahoma 529 College Savings Plan count; money put into another state’s plan earns no Oklahoma deduction or credit.
Contributions above the cap carry forward for up to 5 years.
Rollovers into an Oklahoma 529 are deductible. The deduction is reduced by any rollover out or nonqualified withdrawal in the same year or during the carryforward period. Contributions made by April 15 of the next year (or the return due date, not counting extensions) count for the prior year.
Oklahoma Tax & Education Facts (2026)
| State Income Tax | progressive (up to 4.5%) |
| 529 State Tax Benefit | Deduction of up to $10,000 ($20,000 on a joint return), per return |
| Plans That Qualify | Only Oklahoma 529 College Savings Plan |
| State Plan | Oklahoma 529 College Savings Plan |
| State Sales Tax | 4.50% |
| Avg. Property Tax Rate | 0.78% |
Official Sources: