Pennsylvania 529 Plan Calculator

2026

Pennsylvania 529 plans in 2026: deduction of up to $19,000 ($38,000 on a joint return), per beneficiary, per taxpayer; contributions to any state's plan qualify. 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.

Pennsylvania 529 State Tax Benefit (2026)

Deduction of up to $19,000 ($38,000 on a joint return), per beneficiary, per taxpayer. Pennsylvania is one of the few “tax parity” states: contributions to any state’s 529 plan count, so you can pick a plan for its fees and investments and keep the state benefit.

Each spouse can deduct up to $19,000 per beneficiary, but not more than their own PA taxable income. Only contributions made by December 31 count; contributions from January 1 to April 15 go on the next year's return. Withdrawals not used for education are taxable.

Pennsylvania Tax & Education Facts (2026)

State Income Tax 3.07% (flat)
529 State Tax Benefit Deduction of up to $19,000 ($38,000 on a joint return), per beneficiary, per taxpayer
Plans That Qualify Any state's 529 plan
Limit Indexed Cap equals the federal gift-tax annual exclusion: $19,000 for 2026, unchanged from 2025.
State Plan PA 529 College and Career Savings Program (PA 529 Investment Plan / Guaranteed Savings Plan)
State Sales Tax 6.00%
Avg. Property Tax Rate 1.14%

Official Sources:

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