Best 529 plans of 2022

Find the best 529 college savings plan for your family.

To help you narrow the field, we analyze plans across the country each quarter and identify the best performing 529 plans for you. Whether you're looking for the lowest-fee 529 plans, the top-rated plans, or plans with high returns, these 529 plan rankings are a great place to start.

Wondering how your state's 529 plan compares to other top plans? Select up to three plans for a side-by-side comparison.

Best for my State

Best for my State

Some states offer multiple 529 plans. Below are the best plans in your state. See our methodology for more detailed information.

The manager for the Alabama CollegeCounts 529 Fund direct-sold savings program changed from Van Kampen to Union Bank and Trust Company in August 2010. It features age-based, static and individual fund portfolio options using mutual funds from multiple fund firms.

Our Rating

4.5 / 5

Fee Score

5 / 5

Performance

3 / 5
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60,875 Clicked to Enroll
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Best Rated

Best Rated

These are the highest-rated 529 plans on the 5-cap rating system, offering individual investors all around excellence. See our methodology for more detailed information.

Restricted to West Virginia residents

The West Virginia SMART529 WV Direct College Savings Plan, available on a direct basis to those who meet certain West Virginia residency requirements, features a menu of age-based and static portfolio options utilizing index funds from Vanguard as well as an Invesco stable value portfolio option. Accounts can be linked to the Upromise rewards service.

Our Rating

5 / 5

Fee Score

4.5 / 5

Performance

4.5 / 5
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The Education Plan College Savings Program is managed by Ascensus College Savings and features enrollment-based, index and actively managed static portfolios, and individual fund options from a variety of fund families.

Our Rating

5 / 5

Fee Score

4.5 / 5

Performance

4 / 5
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Restricted to South Carolina residents

The Future Scholar 529 College Savings Plan is only available to residents of South Carolina. It offers investment options from Columbia and Vanguard and a $426,000 contribution limit. Residents of South Carolina may enjoy a state tax deduction for contributions to the plan.

Our Rating

5 / 5

Fee Score

5 / 5

Performance

3.5 / 5
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90,705 Clicked to Enroll
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Nebraska Education Savings Trust -- Direct College Savings Plan switched program managers in December 2010 from Union Bank and Trust Company of Lincoln, Nebraska to First National Bank of Omaha. Management of the plan returned to Union Bank and Trust in 2020. Accounts can be linked to the Upromise rewards service.

Our Rating

5 / 5

Fee Score

4.5 / 5

Performance

3.5 / 5
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The investment menu in Ohio's 529 Plan, CollegeAdvantage, features 2 age-based options and 5 risk-based options using Vanguard funds, 13 static investment options using Vanguard and DFA funds, and 2 types of FDIC-insured deposit accounts through Fifth Third Bank, National Association. Accounts can be linked to the Upromise rewards service.

Our Rating

5 / 5

Fee Score

4.5 / 5

Performance

3 / 5
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Lowest Fees

Lowest Fees

Fees can eat away at your earnings. Here are the lowest fee 529 plans available. See our methodology for more detailed information.

Restricted to Louisiana residents

The START Saving Program requires Louisiana residency to participate. It is subsidized by the state, resulting in no costs to the participant above the underlying fund costs. Vanguard funds and the State Treasurer's fixed income fund are utilized in the age-based and static portfolio options. Louisiana has established a separate program for K-12 savings, the Louisiana Student Tuition Assistance and Revenue Trust Kindergarten Through Grade Twelve Program, or START K12.

Our Rating

5 / 5

Fee Score

5 / 5

Performance

2.5 / 5
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Restricted to South Carolina residents

The Future Scholar 529 College Savings Plan is only available to residents of South Carolina. It offers investment options from Columbia and Vanguard and a $426,000 contribution limit. Residents of South Carolina may enjoy a state tax deduction for contributions to the plan.

Our Rating

5 / 5

Fee Score

5 / 5

Performance

3.5 / 5
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90,705 Clicked to Enroll
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The Georgia Path2College 529 Plan, a TIAA-managed 529 savings program, features a year of enrollment track with 10 portfolios and six static investment options including a Principal Plus Interest Portfolio with a minimum effective annual interest rate between 1% and 3%.

Our Rating

4.5 / 5

Fee Score

5 / 5

Performance

5 / 5
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55,023 Clicked to Enroll
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The Michigan Education Savings Program is similar to other TIAA-managed 529 savings programs. The Program features an enrollment year option, six multi-fund options, five single fund options and a principal protection option.

Our Rating

5 / 5

Fee Score

5 / 5

Performance

4 / 5
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Restricted to Florida residents

The Florida 529 Savings Plan is administered by the Florida Prepaid College Board. In September 2019 the Board enhanced the plan with expanded investment options, reduced fees, and additional investment managers. In 2022 the Board converted the age-based option to enrollment year funds that automatically reallocate quarterly within each fund. As a result, the plan currently offers 20 enrollment year options (each year represents an estimated time for when the funds will be needed), six static options (predesigned based on investment goals such as growth or income), and 15 individual funds (for more sophisticated investors who want to do it themselves).

Our Rating

5 / 5

Fee Score

5 / 5

Performance

3 / 5
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41,832 Clicked to Enroll
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Best Performance

Best Performance

These 529 plans had the highest returns over the past 5-year period.

T. Rowe Price College Savings Plan is a direct-sold plan that offers several enrollment-based portfolios, two static portfolios and four individual investment options. The investment portfolios offered by the plan utilize T. Rowe Price mutual funds. Plan participation is open to residents of any state.

Our Rating

4.5 / 5

Fee Score

4 / 5

Performance

3.5 / 5
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102,877 Clicked to Enroll
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Restricted to West Virginia residents

The West Virginia SMART529 WV Direct College Savings Plan, available on a direct basis to those who meet certain West Virginia residency requirements, features a menu of age-based and static portfolio options utilizing index funds from Vanguard as well as an Invesco stable value portfolio option. Accounts can be linked to the Upromise rewards service.

Our Rating

5 / 5

Fee Score

4.5 / 5

Performance

4.5 / 5
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The DC College Savings Plan is managed by Ascensus College Savings. Ascensus succeeded Calvert Investments as program manager in March 2017. The plan features a menu of age-based and static portfolio options utilizing investments from BlackRock, Vanguard, Loomis Sayles, JP Morgan, Dimensional Fund Advisors (DFA), Schwab, and Ameritas Life. The program was formerly sold nationally through financial advisors and on a load-waived basis to District of Columbia residents. The plan is now sold nationally on a direct-sold basis only.

Our Rating

4 / 5

Fee Score

3.5 / 5

Performance

3.5 / 5
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28,731 Clicked to Enroll
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Nebraska Education Savings Trust -- Direct College Savings Plan switched program managers in December 2010 from Union Bank and Trust Company of Lincoln, Nebraska to First National Bank of Omaha. Management of the plan returned to Union Bank and Trust in 2020. Accounts can be linked to the Upromise rewards service.

Our Rating

5 / 5

Fee Score

4.5 / 5

Performance

3.5 / 5
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Wisconsin's Edvest is a direct-sold 529 college savings plan available to residents of any state, and offers low minimums and a variety of investment options from TIAA-CREF, T. Rowe Price and others. Wisconsin residents may enjoy a state tax deduction for contributions to the plan.

Our Rating

5 / 5

Fee Score

4.5 / 5

Performance

4 / 5
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