Blog Facebook Instagram Twitter YouTube LinkedIn
Compare 529 Plans By State

529 Plan Comparison By Feature

Each state's 529 plan offers unique features. Listed below are features by which plans can be compared. Select the plan features you wish to compare. Always consider your home state 529 plan as it may offer tax benefits or other attractive features. If you are not sure which features are most important to you, visit our Common 529 Questions section.

Click here to Compare 529 Plans without filtering.

104 plans can be compared
Select your state:
  
What's This? Select your home state (or the state of the beneficiary) to view plans for that state.
Why Important? Always consider your home state's plan(s) (or the home state of the beneficiary) as it may offer tax incentives or other attractive features specifically for state residents.
Plan type (Savings or Prepaid)
What's This? 529 plans can be "savings" plans or "prepaid tuition" plans. Savings plans are an investment account that you contribute to, and your account grows based on market returns. Prepaid tuition plans allow you to directly purchase tuition based on today's cost for future use.
Why Important? You should consider the flexibility of a savings plan account versus the tuition guarantee of a prepaid tuition account. Note that a prepaid account is designed for use at colleges in your state of residence (or the beneficiary's state of residence).
Savings
What's This? Savings plans allow you to contribute to an investment account and you can use the accumulated assets for any eligible college expense. Additionally, assets in savings plans can be used at virtually any school in the country.
Why Important? Savings plans are flexible because you can use the assets at schools outside your state of residence, and you can use account assets for other eligible college expenses in addition to tuition.
Direct sold
What's This? You typically open an account in a direct-sold program by requesting enrollment materials and applying directly to the program, or through the program's web site.
Why Important? You must make your own selection of your investment option (or options), but you do not pay a sales commission.
Advisor sold
What's This? You typically open an account in an advisor-sold program through a financial advisor or broker.
Why Important? Your advisor or broker provides professional advice, helps you make investment decisions, and receives sales commissions for that service.
Prepaid
What's This? Prepaid plans are offered in 18 states and allow you to pre-purchase tuition based on today's rates to be used in the future when the beneficiary is in college.
Why Important? Typically, you or the beneficiary must be a resident of the state that sponsors the prepaid plan. These plans are designed for use at a public college in that state with the option for funds to be used at private and out of state schools at a pre-determined valuation.
Pick your state:
 
What's This? The states in the drop-down box to the left offer a prepaid tuition 529 plan.
Why Important? Since prepaid plans are typically designed for use in the sponsoring state, please select your state of residence (or the intended beneficiary's state of residence) if that state offers a prepaid plan.
State tax benefits
What's This? Each state determines how its 529 plans are structured, and many states offer significant tax advantages such as a state tax deduction, deferral of taxes on earnings, and tax-free withdrawals for eligible college expenses.
Why Important? When taxes are deferred on earnings in your 529 plan account, you may experience significant additional growth compared to a taxable investment. A tax deduction for contributions and tax-free withdrawals from your account make the plan even more attractive.
State tax deduction for contributions
What's This? Some states offer a state income tax deduction for some or all of the contributions you make to your 529 plan account.
Why Important? A state tax deduction decreases your taxable income for state tax purposes.
State tax-deferred earnings
What's This? When taxes are deferred on earnings, you do not pay tax on the year-to-year growth in your account.
Why Important? Deferral of taxes on earnings has a compounding effect on the growth of your account.
State tax-free withdrawals
What's This? When you make withdrawals, no taxes are owed on the amount withdrawn for eligible college expenses.
Why Important? Tax-free withdrawals allow you to apply more of your account assets to the costs of college.
State tax credit for contributions
What's This? Some states offer a state income tax credit for some or all of the contributions you make to your 529 plan account.
Why Important? A state tax credit decreases your taxable income for state tax purposes.
Other state benefits
What's This? Some plans offer additional state-based benefits for investors who invest in 529 plans offered by their state of residence.
Why Important? Although these benefits are less common, they may make a plan even more attractive.
Financial aid benefits
What's This? Some states do not count 529 plan assets when determining state-based financial aid for current and in-coming students at public colleges.
Why Important? More state-based financial aid may be available when your 529 plan assets are not included in the expected family contribution calculation. But be aware that most financial aid is federal, and that most financial aid is in the form of loans.
State grants
What's This? Some states offer a needs-based matching grant for a portion of your contributions to your account.
Why Important? This match, if available, increases the amount of contributions made to your account.
Fees
What's This? 529 plans charge fees in various ways. These can include asset-based fees (a percentage of your annual account balance), sales commissions (a percentage of your contributions paid to your advisor or broker), and administrative fees.
Why Important? Fees offset a portion of the earnings in your account. "Direct sold" plans are typically offered at lower fees and without sales commissions. "Advisor sold" plans offer professional investment advice and service, with fees that include standard sales commissions.
Select by fee for direct-sold plans
What's This? Click and drag the slide bar to filter by fees. Plans with direct-sold investment options that have fees equal or lower than the selected amount will be shown in the results.
Annual asset-based fees: 0 %
0 - 70.0000
Select by fee for advisor-sold plans
What's This? Click and drag the slide bar to filter by fees. Plans with advisor-sold investment options that have fees equal or lower than the selected amount will be shown in the results. Note that you also pay a commission to your advisor for these plans.
Annual asset-based fees: 0 %
0 - 2.5600
Investment option
What's This? 529 plans offer multiple investment options. Typically, you can invest in one or more of the options offered by a plan.
Why Important? The investment options can include managed age-based options, 100% stock fund (equity) options, stable value funds, guaranteed options, and even certificates of deposit.
Age-based options
What's This? These investment options are managed so that the investment allocation (a mix of stock, bond, money market and other funds) varies based on the age of the beneficiary.
Why Important? The investment becomes more conservative as the beneficiary gets older to reduce risk as the beneficiary approaches college.
Equity options
What's This? These investment options are based primarily on stock (equity) funds.
Why Important? Stock-based investments may offer a possibility of greater returns, with a higher level of risk.
Fixed income options
What's This? These investment options are based primarily on bond funds.
Why Important? Bond-based investments carry certain risks, but are considered less risky than stock funds.
Blended options
What's This? These investment options offer a blend of stock and bond funds.
Why Important? Blended funds seek to balance the relative risk of a stock fund with the relative safety of a bond fund.
Guaranteed options
What's This? These investment options guarantee principal (your contributions) and offer a fixed rate of return.
Why Important? Guaranteed options are typically the least risky investment, but offer lower returns.
Capital preservation options
What's This? These investment options offer safety of the initial contributions and a variable rate of return.
Why Important? These options are typically less risky investments with lower returns than other investment types.
Minimum initial contribution
What's This? 529 plans, as with most investments, have a minimum dollar amount for an initial contribution to open an account.
Why Important? You should consider the amount you will be required to invest in selecting the program that is right for your individual circumstances.
Minimum subsequent contribution
What's This? 529 plans, also like most investments, have a minimum dollar amount for further contributions after the account has been opened.
Why Important? You should consider the amount you will be required to invest for subsequent contributions in selecting the program that is right for your individual circumstances.
Maximum total contributions
What's This? By federal law, 529 plans must have a cap on total contributions.
Why Important? When you reach the maximum for total contributions your account can continue to earn returns, but you cannot make further contributions.
Investment Manager
What's This? States typically contract with a financial services firm to provide investment management and other program services.
Why Important? If you are comfortable with a particular financial services firm, you may wish to consider a plan that uses that firm as its investment manager.
A I M Advisors, Inc.
A I M Capital Management, Inc.
Aberdeen (2)
Acacia Life Insurance Company (2)
Adams Street Partners, LLC (1)
Advantus (1)
Advent Capital (1)
Aether Investment Partners (1)
AllianceBernstein Investments, Inc. (1)
Allianz (1)
Allianz Global Investors Distributors LLC (2)
American Beacon Advisors (2)
American Century Investment Management, Inc.
American Century Investment Services, Inc. (11)
American Funds (3)
Ariel Capital (1)
Artisan (2)
Ascensus Broker Dealer Services Inc. (1)
Ascensus College Savings Recordkeeping Services, LLC. (4)
Ascensus Investment Advisors LLC. (1)
Aurora Investment Managment, LLC (1)
Aventura Holdings, LLC (1)
Baillie Gifford (1)
Bank of America (2)
Bank of America-FDIC Insured Bank Deposit Account (1)
Barclays Global Investors (1)
Baring International Investment Limited (3)
Baron Funds (1)
Barrow, Hanley, Mewhinney & Strauss, Inc. (1)
BlackRock (6)
BlackRock Institutional Trust Company, N.A. and BlackRock Fund Advisors
BlackRock iShares (5)
Blackstone (1)
Blackstone Partners (1)
BNY Mellon Asset Management (1)
Branch Banking & Trust
Brandywine Global Asset Management (2)
Brookfield Mortgage-Backed Securities (1)
Brown Capital Management, Inc.
Calvert Asset Management Company, Inc. (1)
Calvert Group, Ltd., (1)
Calvert Investment Management Company, Inc
Calvert Investment Management, Inc. (1)
Capital Research and Management Company (1)
CBRE Clarion Securities
Century Capital Management (1)
Charles Schwab & Co. Inc. (1)
Chase Investment Counsel Corporation (2)
Citigroup, Inc.
Clay Finlay Inc. (1)
CLS Investments, LLC (1)
College Savings Bank (2)
CollegeInvest
Columbia Management Group, LLC (2)
Columbia Management Investment Advisers, LLC and its affiliates (2)
Commonfund Capital Inc. (1)
Credit Suisse (1)
CS Transition (2)
Davis (1)
Delaware Investments (3)
Deutsche Asset Management, Inc.
Deutsche Investment Management Americas Inc.
Dimensional Fund Advisors (9)
Dodge and Cox (4)
Donald Smith & Co. (1)
Dreyfus Corporation (5)
Eagle Asset Management, Inc.
Eaton Vance (2)
Enterprise Capital Management, Inc. (1)
ETF (1)
Evergreen Investment Services Inc.
Federated Investment Management Company (2)
Federated Investors, Inc.
Ferox Capital (1)
Fidelity Investments (6)
Fiduciary Management, Inc. (1)
Fifth Third Bank (1)
First National Bank of Omaha (12)
FirstBank (1)
Florida Prepaid College Board
Fountain Capital Management, L.L.C. (1)
Franklin Advisers, LLC
Franklin Mutual Advisers, LLC
Franklin Templeton Advisers, Inc. (1)
Franklin Templeton Distributors, Inc. (1)
Gallatin Asset Management, Inc.
GAMCO Asset Management, Inc.
GE Asset Management (1)
GIC and FDIC Insured Bank Deposit Account (2)
Goldman Sachs Asset Management (1)
Golub Capital (1)
Grantham Mayo (GMO) (2)
Hahn Capital Management (1)
Harbor Funds (1)
Harmonic Alpha Plus Macro Fund (1)
Hartford Investment Financial Services, LLC (2)
Hartford Life Insurance Company (2)
Heritage Funds
Horsley Bridge Partners (1)
ING Funds (1)
Invesco (4)
Invesco Advisers, Inc.
Invesco Aim Capital Management, Inc.
INVESCO Institutional (N.A.), Inc. (4)
J. & W. Seligman & Co. Incorporated
Jennison Associates LLC (1)
John Hancock Investment Management Services (1)
JP Morgan (2)
JPMorgan Investment Advisors Inc. (2)
Laudus Funds (1)
Lazard Asset Management (1)
Legg Mason (1)
LGT Capital Partners (1)
Lockwood Advisors, Inc. (1)
Lord, Abbett & Co. LLC (2)
LSV Asset Management (2)
MainStay Investments (2)
Marsico Capital Management, LLC (1)
Massachusetts Financial Services Company
Maxim Janus
Maxim Loomis Sayles
Maxim T. Rowe Price
Merrill Lynch
MetLife (2)
Metropolitan West (3)
MFS Investment Management (4)
Mondrian Investment Partners Limited (1)
Montag & Caldwell, Inc.
Multiple Managers (1)
NA (2)
NCM Capital Management Group, Inc (2)
Neuberger Berman LLC (2)
New York Life Insurance Company (1)
New York Life Investment Management (2)
Northern Funds (1)
Northern Trust Investments, N.A. (3)
Northern Trust TIPS Index (1)
Nuveen (1)
NWQ Investment Management Company (1)
OFI Private Investments, Inc. (4)
Ohio Tuition Trust Authority (1)
OppenheimerFunds Inc. (7)
Pacific Life
PanAgora Asset Management, Inc. (1)
Parnassus Investments (4)
PGIM (1)
PGIM Fixed Income (1)
Pier Capital, LLC
PIMCO (7)
PIMCO Advisors Distributors (2)
Pioneer Investments (1)
Polaris (1)
Private Advisors LLC (1)
Prudential (3)
Putnam Investments (1)
Quantitative Management Associates LLC (1)
Rainer Funds
Rainier Funds (1)
RBC Global Management (1)
Regions Institutional Services
Rhumbline Advisors (1)
Richmond Capital Management (1)
RiverSource Investments (1)
Robert W. Baird & Co. (2)
Rothschild Asset Management, Inc. (3)
Royce
RS (1)
Sallie Mae Bank (3)
Sallie Mae Bank and U.S. Bank (1)
Sands Capital Management, Inc. (1)
SC Office of State Treasurer, Curtis M. Loftis, Jr. (1)
Schroders Investment Management (1)
Scout Investments, Inc.
Securities Management & Research
Selected by ISAC (Board) (1)
Shenkman (2)
Silvant Capital Management, LLC (1)
State Employees' Credit Union (1)
State Farm
State Street Global Advisors (6)
Stone Harbor Investment Partners (2)
Sumday, a division of BNY Mellon (1)
T. Rowe Price (11)
T. Rowe Price Associates, Inc.
Tattersall Advisory Group
TCW Investment Management Company
Templeton (2)
Templeton Global Advisors Limited (1)
Tennessee Department of Treasury (1)
The Boston Company Asset Management (2)
The Dreyfus Corporation
The Hartford Mutual Funds (2)
The Principal Financial Group (1)
The Vanguard Group® (25)
Thompson, Siegel & Walmsley, Inc. (1)
Thornburg Investment Management, Inc. (3)
TIAA-CREF (19)
Transameria Life Insurance Company, a member of AEGON Group
Transamerica Corporation (1)
Trusco Capital Management, Inc. - Money Market Fund
U.S. Trust
U.S. Trust Company of New York - Fixed Income
UBS Global Asset Management (Americas) Inc. (2)
UMB
Union Bank & Trust Company (1)
Union First Market Bank
Upromise Investments, Inc.
US Bank (1)
USAA Investment Management Corporation
USB Realty Investors LLC
Van Eck Associates (1)
Van Kampen Investments (1)
Vanguard (3)
Vermont Student Assistance Corporation Trust (1)
Voya Investment Management (4)
Wachovia Bank, N.A. (1)
Waddell & Reed (1)
Wealthfront (2)
Wellington Capital Management (1)
Wellington Management (2)
Wells Capital Management (1)
Wells Fargo Advantage Asset Allocation Fund
Wells Fargo Advisors LLC (1)
Wells Fargo Funds Management, LLC (2)
Western Asset Management Company
Westfield Capital Management (2)
Westwood Management Corp. (1)
William Blair (3)
Zions First National Bank
104 plans can be compared


Earnings from 529 plans are not taxed when used for college. View All

CSPN is an affiliate of the

Affiliate of the National Association of State Treasurers