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Pennsylvania 529 plans
Pennsylvania residents receive numerous state plan benefits.
Learn about state tax benefits ↓Pennsylvania residents receive numerous state plan benefits.
Learn about state tax benefits ↓Featured 529 plans for Pennsylvania residents:
State tax deduction or credit
Contributions to Pennsylvania AND non-Pennsylvania 529 plans of up to the gift-tax annual exclusion amount ($19,000 in 2025) per beneficiary are deductible in computing Pennsylvania taxable income. Spouses filing jointly must each have at least $19,000 in income to claim the maximum $38,000 per-beneficiary deduction. Rollovers from another 529 plan or from qualified U.S. savings bonds are not eligible for the deduction.
Pennsylvania is a tax parity state, enabling tax benefits for contributions to non-state 529 plans. See the best 529 plans →
Which 529 plans does Pennsylvania offer?
Pennsylvania offers two 529 savings plans. Pennsylvania's 529 Investment Plan is a direct-sold program available to residents of any state featuring investments from Vanguard, while the The Guaranteed Savings Plan, available only to Pennsylvania residents, functions as a unit-type prepaid tuition plan.
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.
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
The Pennsylvania ABLE Savings Program is offered through the National ABLE Alliance. The program is a tax-advantaged savings program offered by the Commonwealth of Pennsylvania to assist individuals with disabilities and their families in saving for disability-related expenses without jeopardizing their government benefits.
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