South Dakota 529 Plan Calculator

2026

South Dakota 529 plans in 2026: no state income tax, so there is no 529 deduction to claim. 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.

South Dakota 529 State Tax Benefit (2026)

No state income tax, so there is no 529 deduction to claim. Earnings in any state’s 529 plan still grow free of federal tax when spent on qualified education, and South Dakota residents can use any state’s plan.

South Dakota Tax & Education Facts (2026)

State Income Tax None
529 State Tax Benefit No state income tax, so there is no 529 deduction to claim
State Plan CollegeAccess 529 (direct-sold, SD residents only; advisor-sold version open nationally)
State Sales Tax 4.20%
Avg. Property Tax Rate 1.00%

Official Sources:

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