See exactly how your 529 grows from now until college enrollment — coverage ratio, tax-free growth, state tax deduction savings, and overfunding risk all shown clearly.
529 plans grow tax-free and withdrawals for qualified education expenses are also tax-free — similar to a Roth IRA but for education. 34 states offer a state income tax deduction or credit on contributions. Overfunding a 529 is a real risk: unused funds can be rolled to a Roth IRA (up to $35,000 lifetime per SECURE 2.0 Act) or transferred to another beneficiary penalty-free.