Federal benefit · Savings · Last verified 2026-08-08
Open a 529 — the 15-year Roth clock
A 529 opened at birth starts a 15-year clock that can end with up to $35,000 rolling into your kid's own Roth IRA, tax-free.
- What it's worth
- Up to $35,000 → Roth
- Deadline
- No fixed deadline
- Who qualifies
- 529→Roth rollovers are capped at $35,000 lifetime and subject to annual Roth limits; the account must be ~15 years old.
The details
A 529 is the standard tax-free way to save for education, and since 2024 there's a second exit: after the account has been open 15 years, up to $35,000 of leftover money can roll into the beneficiary's own Roth IRA (subject to annual limits). Open it at birth — even with $25 — and the clock is running before kindergarten. Many states add their own tax deduction for contributions; check yours.
Official source: https://www.investor.gov/introduction-investing/investing-basics/investment-products/529-plans
Anchor tracks all of these for your kid's birth year and your state — free. Provide matches every benefit here to your kid's age, shows the real deadline, and links only to official pages. No ads, no subscription, no locked features.
Download on the App Store · Get it on Google Play · See the full list