State guide

Kansas 529 tax deduction

Kansas is one of just nine "tax-parity" states — you get the state tax break on contributions to any 529 plan, not only the in-state one.

529 deduction: YesTax parity: Yes — any state's plan

What tax parity means

Most states that offer a 529 tax break only give it for their own in-state plan. Kansas is different: as a tax-parity state, you can contribute to the best 529 plan in the country — wherever it's based — and still claim the Kansas state income-tax deduction. That lets you shop on investment options and fees without giving up the tax benefit.

The deduction

As of recent guidance, the deduction is $3,000 (single) / $6,000 (joint) per beneficiary. Limits change yearly — confirm the current figure with the Kansas plan.

How it fits with the gift-tax rules

A 529 contribution is also a gift for federal purposes, so it counts toward the $19,000 annual exclusion (2026). The 5-year election ("superfunding") lets you front-load up to $95,000 per donor per child without using any lifetime exemption.

See how much you can front-load with the 529 Superfunding Calculator, and keep family contributions within the exclusion with the Gift Tax Calculator.

Other tax-parity states

These states also let you deduct contributions to any state's 529 plan:

Arizona · Arkansas · Maine · Minnesota · Missouri · Montana · Ohio · Pennsylvania

General information, not tax advice. 529 deduction rules and limits change yearly and this page may not reflect the latest figure — confirm with the Kansas plan and your CPA. Kansas offers tax parity as of recent guidance.

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