529 Annual Contribution Limits 2025. You can contribute as much money as you want, but there are tax incentives to stay within the gift tax limits. Nearly every state offers a 529 savings plan, but each sets a maximum contribution limit.

You also need to do this strategically as you cannot rollover an amount greater than the annual roth contribution amount, which in 2025 is $7,000. This means you can contribute any amount each year, as long as you stay within your state’s maximum.