How Much Can I Contribute To 529 In 2025. But while there’s no federal cap, many states have set their own aggregate limits on the total amount you can contribute to a single beneficiary’s 529 plan. You're only allowed to contribute up to a certain amount to a roth ira annually.

You can contribute as much as you’d like to a 529 plan per year, but there are some caveats. In 2023, that ceiling is $6,500 if you’re under 50 or $7,500 if you’re 50 or older.