Institutional education equity forecasting. Solve for compound growth, state tax arbitrage, and Section 529 contribution limits.
IRS SEC 529
2026 Statutory Sync
| Parameter | 2026 Value |
|---|---|
| Annual Gift Exclusion | $19,000 |
| 5-Year Superfunding | $95,000 |
| Avg Account Limit | $350,000 |
| Jurisdiction | Max Deduction |
|---|---|
| New York | $10,000 |
| Pennsylvania | Unlimited |
| Illinois | $10,000 |
| Institution Type | Avg Cost/Yr |
|---|---|
| Public 4-Year (In-State) | $24,030 |
| Private 4-Year | $60,170 |
| Audit Version | S-Class v2.6 |
College savings growth is governed by **Tax-Free Compounding Loops**. Our engine audits savings trajectories through automated application of Section 529 federal tax codes and state-specific deductor logic.
Tax-free growth probability audit
5-year gift acceleration logic
Expense eligibility mapping
"Calibrated against 2026 IRS Section 529 guidelines, state statutory tax codes, and College Board tuition benchmarks."
A: In 2026, the annual gift tax exclusion is $19,000 per donor, per beneficiary. Superfunding allows a one-time lump sum of $95,000 per donor (treated as 5 years of gifts).
A: Contributions are not deductible from federal income tax. However, over 30 states offer state income tax deductions or credits for contributions, ranging from $2,000 to over $20,000.
A: Funds can be used tax-free for tuition, fees, books, supplies, and room and board at accredited institutions. It also covers K-12 tuition up to $10,000 annually and $10,000 in student loan repayment.
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