529 Plan Comparison Calculator

Planned Contribution This Year (excluding rollovers) $
Are You Planning a Rollover Contribution?
   Yes
Rollover Amount $
Subsequent Annual Contributions Until the Start of College $
Estimated Annual Rate of Return    %
Years to Start of College   
State of Residence
  
Filing Status
  Married/Joint     Single  
Itemize on Federal 1040?
   Yes
Taxable Income
$
Share Class
Share Class
  
Plan 1
Plan Name   
Up-Front Sales Charge
   % (after any breakpoint discount or waiver)
Total Annual Asset-Based Fees
   %
Enrollment Fee
$ (one-time fee)
Annual Account Maintenance Charge
$
Plan 2
Plan Name   
Up-Front Sales Charge
   % (after any breakpoint discount or waiver)
Total Annual Asset-Based Fees
  %
Enrollment Fee
$ (one-time fee)
Annual Account Maintenance Charge
$
Plan 1: — Plan 2: —  
Total initial and subsequent annual contributions: $0 $0  
Net accumulated value of state : $0 $0  
Total contributions including net accumulated value of state : $0 $0  
Total funds for college, including contributions, earnings, and net state tax savings, after fees and expenses: $0
( years at 0% annual investment growth)
$0
( years at 0% annual investment growth)
 
Plan Comparison
Difference in savings growth between Plan 1 and Plan 2 after fees and expenses: $0  
Total annual rate of return assumed: 0.00%  
Estimated annual rate of return needed by Plan 2 to break even with Plan 1: 0.00%  
Estimated Savings Accumulation & Break Even Rates-of-Return
  • Plan 1: -
  • Plan 2: -

Plan comparison graphs assume your planned contributions, plan fee inputs, the years until the end of college, and an estimated % rate of return.

Client
Full Name
Financial Advisor
Full Name
Company
Address 1
Address 2
City
State Zip
Phone #
Email

Important Legal Information

As tax laws and information frequently change, we do not guarantee or warrant the completeness or accuracy of this information. For current or additional information about state tax provisions and for consideration of your individual circumstances, consult your tax advisor. You can also obtain additional information by contacting your state's official taxing authority.

Before you invest, consider whether your or the beneficiary's home state offers any state tax or other benefits that are only available for investments in that state's qualified tuition program.

The Comptroller of the State of New York and the New York State Higher Education Services Corporation are the Program Administrators and are responsible for implementing and administering the Advisor-Guided Plan. Neither the State of New York nor its agencies insures accounts or guarantees the principal deposited therein or any investment returns on any amount or investment portfolio.

Upromise Investments, Inc. and Upromise Investment Advisors, LLC serve as Program Manager and Recordkeeping and Servicing Agent, respectively, and are responsible for day-to-day operations, including effecting transactions. J.P. Morgan Investment Management Inc. serves as the Investment Manager. J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. JPMorgan Distribution Services, Inc. markets and distributes the Advisor-Guided Plan. JPMorgan Distribution Services, Inc. is a member of FINRA/SIPC.

New York's 529 College Savings Program includes two separate 529 plans. The Advisor-Guided Plan is sold exclusively through financial advisors who have entered into Advisor-Guided Plan selling agreements with JPMorgan Distribution Services, Inc. You may also participate in the Direct Plan, which is sold directly by the Program and offers lower fees. However, the investment options available under the Advisor-Guided Plan are not available under the Direct Plan. The fees and expenses of the Advisor-Guided Plan include compensation to the financial advisor. Be sure to understand the options available before making an investment decision.

For more information about New York's 529 Advisor-Guided College Savings Program, you may contact your financial advisor or obtain an Advisor-Guided Plan Disclosure Booklet and Tuition Savings Agreement at www.ny529advisor.com or by calling 1-800-774-2108. This document includes investment objectives, risks, charges, expenses, and other information. You should read and consider it carefully before investing.

JPMorgan Distribution Services, Inc., its parent and affiliates do not provide legal or tax advice. This information is provided for general educational purposes only. This is not to be considered legal or tax advice. Investors should consult with their legal or tax advisors for personalized assistance, including information regarding any specific state law requirements.