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Level 15

Question

529 Contributions max gift

Forum|Forum|1 month ago
May 6, 2026
1 reply
1 view

Do gifts to a 529 plan fall under the 19,000 yearly Gift limit? For my niece.

Level 15

@VolvoGirl wrote:
Do gifts to a 529 plan fall under the 19,000 yearly Gift limit?

Yes, but you can "superfund it".

See https://www.irs.gov/instructions/i709#en_US_2025_publink16784xd0e1331

Level 15

If in 2025, you contributed more than $19,000 to a qualified tuition plan (QTP) on behalf of any one person, you may elect to treat up to $95,000 of the contribution for that person as if you had made it ratably over a 5-year period. The election allows you to apply the annual exclusion to a portion of the contribution in each of the 5 years, beginning in 2025. You can make this election for as many separate people as you made QTP contributions.

VolvoGirlAuthor

Level 15

Thanks. I don't think I will be contributing that much. Just made my first contribution. Oh, what is the gift limit for 2026?