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Utah 529 plans
Utah residents receive numerous state plan benefits.
Learn about state tax benefits ↓Utah residents receive numerous state plan benefits.
Learn about state tax benefits ↓Featured 529 plans for Utah residents:
State tax deduction or credit
Contributions to the Utah 529 plan of up to $2,490 in 2025 per beneficiary by an individual, and up to $4,980 in 2025 per beneficiary by a married couple filing jointly, are eligible for a 4.55% credit against Utah income tax. The maximum credit in 2025 is $113.30 per beneficiary for single taxpayers and $226.59 per beneficiary for joint filers. The credit limits are increased each year for inflation, but not decreased for deflation. Contributions to an account established after a beneficiary reaches age 19 are not eligible. Contributions from a non-owner are creditable by the account owner and not by the non-owner/contributor. Contribution deadline is receipt by December 31 for online processing; December 31, or the last working day of the year, for manual processing. Utah-based corporations can claim a Utah state income tax deduction for contributions up to $2,490 per qualified beneficiary.
Which 529 plans does Utah offer?
Utah’s 529 college savings plan utilizes the Utah State Treasurer’s fixed-income fund, Vanguard and Dimensional mutual funds in 4 different age-based options and 8 static portfolio options. The plan also offers the option of creating a customized age-based and/or static portfolio.
To see more on what the Utah Educational Savings Plan (UESP) has to offer, click on the link below.
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 State of Utah has partnered with the State of Ohio to create ABLE Utah, a program that offers the STABLE Account Plan to eligible Utah residents for lower annual investment fees than would otherwise be available. ABLE Utah accounts allow individuals with disabilities to save and invest money without losing eligibility for certain public benefits programs, like Medicaid or SSI. Earnings in an ABLE Utah account are not subject to federal income tax, so long as the earnings are spent on qualified disability expenses.
A good place to start:
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