Pennsylvania 529 Tax Deduction Calculator

2026 rules

Enter your contribution to see how much Pennsylvania lets you deduct and what it saves you this year.

Your numbers

Filing status

Contribution per child this year

Children (beneficiaries) you contribute for

Household AGI

Result

Pennsylvania tax saved$154

Total contributed$5,000
Deductible this year$5,000
Pennsylvania tax saved this year$154
Saved per $1,000 deducted$30.70

Married couples get $38,000 per beneficiary only if each spouse has at least $19,000 of income.

Pennsylvania at a glance

Benefit: Pennsylvania lets you deduct up to $19,000 per beneficiary ($38,000 joint) of contributions to PA 529 Investment Plan or Guaranteed Savings Plan each year.
Plans that count: PA 529 Investment Plan or Guaranteed Savings Plan.
Good to know: Married couples get $38,000 per beneficiary only if each spouse has at least $19,000 of income.

Questions

Is there a Pennsylvania tax deduction for 529 contributions in 2026?

Pennsylvania lets you deduct up to $19,000 per beneficiary ($38,000 joint) of contributions to PA 529 Investment Plan or Guaranteed Savings Plan each year.

What can 529 money pay for without tax?

College tuition, fees, books, and room and board for students enrolled at least half time; up to $20,000 a year of K-12 tuition and expenses from 2026; apprenticeship costs; and up to $10,000 of student loan payments over a lifetime. States can treat some of these differently.

What happens to the Pennsylvania deduction if I withdraw for something else?

A nonqualified withdrawal is taxed on its earnings, plus a 10% federal penalty, and Pennsylvania can add back the deductions you took on the money you withdraw.