529 Contribution Limit 2025

529 Contribution Limit 2025. Instead, limits are based on aggregate. 529 plans have high contribution limits, which are generally intended to be enough to cover the cost of college.


529 Contribution Limit 2025

So if you have 529 plans for three children, you can contribute up to $18,000 ($19,000 in 2025) or $36,000 ($38,000 in 2025) to each child’s plan each year without owing a gift tax. In 2025, individuals can contribute $19,000, and married couples filing jointly can contribute $38,000 per recipient without the contributions counting toward a lifetime gift tax exemption.

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