529 Superfunding
Calculator

College savings projection tool

Financial Planning

Your Situation

Current 529 Balance

Monthly Contribution to 529

Custodial Account Balance

Child's Current Age

Years Until Superfunding (1–5)

Year 3

Superfunding = 5-year gift tax election ($18k/yr × 5 = $90k in 2024)

Expected Annual Return

7.0%

Historical index avg ~7–8%; age-based 529 funds typically 5–8%

Filing Status

MFJ: $180,000 superfunding limit ($90k per spouse)

Custodial Cap Gains Tax Rate

15.0%

MFJ $94k–$583k income = 15% long-term rate. Applied annually to custodial gains.

College Start Age

Custom Savings Goal

Used for the table's "vs. Goal" column. Cost benchmarks are auto-calculated below.

Recommended Superfund Amount
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Calculating...

Projected Total at College

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Without Superfunding

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Savings vs. Cost Benchmarks

Graduating — —

IRS Superfunding Limit (2024) — Married Filing Jointly

$180,000

Both spouses superfund $90k each ($18k × 5 yrs × 2 = $180k). No additional annual-exclusion gifts during the 5-year window. Report on Form 709.

Estimated 4-Year Total Cost — Inflation Adjusted Class of —

Year-by-Year Projection 529 + Custodial

Year / Age	529 Balance	Custodial	Combined	vs. Custom Goal

Important: This calculator provides estimates only and is not financial advice. Superfunding elections must be reported on IRS Form 709. Consult a tax advisor or financial planner before making large 529 contributions. College cost benchmarks assume ~4.5% annual tuition inflation from 2024 base figures and cover tuition, fees, room & board for 4 years.