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Iowa 529 plans
Iowa residents receive numerous state plan benefits.
Learn about state tax benefits ↓Iowa residents receive numerous state plan benefits.
Learn about state tax benefits ↓Featured 529 plans for Iowa residents:
State tax deduction or credit
Contributions to an Iowa 529 plan of up to $5,800 for 2025 per beneficiary by an individual, and up to $11,600 per beneficiary by married taxpayers filing jointly who each make their own contributions, are deductible in computing Iowa taxable income. The pre-filled "Maximum yearly in-state deduction" assumes there is one beneficiary. Adjust "Maximum yearly in-state deduction" for multiple accounts with separate beneficiaries, but do not exceed the amount of investment in "This year's 529 investment". The limits are adjusted each year for inflation.
Which 529 plans does Iowa offer?
The Iowa state treasurer’s office offers two 529 savings plans. The direct-sold 529 plan (ISave 529 Iowa) is managed by Ascensus College Savings and The Vanguard Group and features age-based and static portfolios using Vanguard funds. The IAdvisor 529 Plan is managed by Voya and features age-based, static allocation and single fund options using multiple investment managers.
Learn more about the Iowa 529 plans by clicking on the following links.
Direct sold 529 plans
"Do-it-yourself" type plans in which the saver enrolls and sets up the initial investment. Fortunately most 529 plans make this simple! You'll pay no sales charges beyond fund and administrative fees.
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4 / 5
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Advisor sold 529 plans
Plans offered by investment professionals. You'll gain the guidance of a financial advisor, but will incur sales charges and/or fees as you invest.
Our rating
4 / 5
Special award
ABLE Plans
529 ABLE accounts let Americans with disabilities save tax-deferred for education and other expenses without impacting eligibility for public benefits.
ABLE Plan
IAble, Iowa's Achieving a Better Life Experience (ABLE) plan, is offered through the National ABLE Alliance. The program is sponsored and administered by the State Treasurer of Iowa. IAble is part of the Iowa Able Savings Plan Trust, which was created under State legislation in 2015. Established as an investing vehicle to allow individuals with disabilities and their support system the opportunity to save and invest money for Qualified Disability Expenses without risking essential federal government benefits, IAble is a qualified ABLE program under Section 529A and any regulations and other guidance issued thereunder.
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