West Virginia 529 Plan Calculator

2026

West Virginia 529 plans in 2026: deduction for the full amount contributed (no cap); only the WV 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.

West Virginia 529 State Tax Benefit (2026)

Deduction for the full amount contributed (no cap). Only contributions to SMART529 WV Direct College Savings Plan count; money put into another state’s plan earns no West Virginia deduction or credit.

There is no dollar limit: you can deduct all of the year's contributions. Contributions must be postmarked by December 31, and the plan's annual statement must be attached to your return. Nonqualified withdrawals are added back to income.

West Virginia Tax & Education Facts (2026)

State Income Tax progressive (up to 4.58%)
529 State Tax Benefit Deduction for the full amount contributed (no cap)
Plans That Qualify Only SMART529 WV Direct College Savings Plan
State Plan SMART529 WV Direct College Savings Plan
State Sales Tax 6.00%
Avg. Property Tax Rate 0.48%

Official Sources:

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