2025 529 Contribution Limit

2025 529 Contribution Limit. 529 plans are an invaluable tool to help save for college, so it’s important to understand their contribution limits. For married couples, the combined exclusion allows for a generous gift.

“starting in 2025, the secure 2.0 act allows savers to roll unused 529 funds into the beneficiary’s roth ira without a tax penalty,” says lawrence sprung, author of financial. 529 plans do not have annual contribution limits.

Rollovers Are Subject To The.

529 contribution limits are set by each state plan and generally apply a total account limit per beneficiary.

Do 529 Plans Have Annual Contribution Limits?

In 2025, you can contribute up to $18,000 per beneficiary per year before you’d need to file.

However, There Is An Overall Maximum Account Balance.

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New In 2025, You Can Now Roll Assets From A 529 Account Into A Beneficiary's Roth Ira, Up To A Lifetime Limit Of $35,000.

The 529 account must have been open for 15 years and account holders can’t roll over contributions made in the last five years.

What Is The Maximum Annual 529 Plan Contribution Limit?

Each state operates its own 529 plan and makes its own rules for the plan, so maximum aggregate.