Archimedes Systems, Inc.

529 Tools

Archimedes’ 529 college planning solutions & tools consist of a powerful combination of tools, data and content that help users research, compare and understand their 529 plan options and overall college savings strategies.  These tools allow users to examine the features and benefits of 529 plans, quantify 529 tax benefits, view information about investment options, associated fees, and other key factors.

529 State Tax Deduction Calculator

Estimates the potential value of the individual’s in-state tax deduction or tax credit, when contributing to the 529 College Savings Plan in his or her home state (or when contributing to any state’s 529 plan when applicable). Whether or not a state tax deduction is applicable for a given state, the calculator provides specifics about plan contributions and accruals as well as other key information.

529 State Tax Benefit Calculator (pro version)

Estimates the potential net value of the individual’s in-state tax deduction or tax credit for contributions to the in-state 529 college savings plan (or to any state’s 529 plan when applicable), accommodating both an initial contribution and subsequent annual contribution. It measures the value of the state tax benefits in terms of annualized rate-of-return percentage points or basis points, considering maximum allowable deductions and carry forward provisions where applicable.

529 Compare Tool

Allows users to quickly compare the key features and benefits of the wide range of 529 college plans available to investors, including investment options, tax benefits, costs, contribution minimums and maximums, and more. The tool allows users to generate dynamic comparisons of up to five 529 plans on a side-by-side basis, offering functionality to expand and collapse the primary sections and allowing the user to focus on the information of greatest interest to them.

UGMA / 529 Conversion Calculator

Helps users investigate potential tax advantages of using existing UGMA/UTMA assets to fund a 529 College Savings Plan, given the client’s specific circumstances. The calculator also helps users decide between funding a new UGMA/UTMA and a new 529 plan by estimating which type of account may be worth more when the client's child is ready to begin college.

Taxable vs. Tax-Advantaged Investment Calculator

Estimates what the user’s savings may be worth at the start of college, comparing both tax-free and taxable savings growth. The calculator accommodates a variety of savings inputs, including a current savings balance or lump sum, planned periodic savings, and a future lump-sum contribution that may be on the horizon.

College Savings CD Projector

Estimates the interest the user may earn on a CD given a specified opening balance, annual percentage yield, and holding term. The calculator also allows the user to examine estimated CD ending balances, comparing a tax-free 529 CD with a taxable CD.

529 Expense Calculator (coming soon)

Helps users estimate and compare fees and expenses for 529 plans as well as consider how these expenses may impact their investment returns.