Texas 529 Plan Calculator
2026Texas 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
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.
Texas 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 Texas residents can use any state’s plan.
Texas 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 | Texas College Savings Plan (direct-sold); LoneStar 529 (advisor-sold); Texas Tuition Promise Fund (prepaid) |
| State Sales Tax | 6.25% |
| Avg. Property Tax Rate | 1.24% |
Official Sources: