529 College Savings Plans

529 plans provide flexible, tax-advantage accounts designed specifically for education savings. Funds can be used for qualified education expenses for schools nationwide.

Why invest in a 529 college savings plan with Fidelity?

Tax advantages

Earnings grow federal income tax deferred and qualified withdrawals are federal income tax free.

Flexible use of funds

Utilize the funds for a wide range of college expenses at accredited schools nationwide, in addition to tuition expenses for K-12, certain apprenticeship costs, and student loan repayments.

Many investment choices

Choose either an age-based strategy or a custom strategy. Learn more about investment choices

Features to help save more

Help fund a child's education with credit card rewards as well as our 529 college gifting service.

Choosing a 529 savings plan

Compare all 529 plans by state

You can invest in 529 savings plans from states across the country. Be sure to consider your own state plan as it may have additional benefits, including state tax advantages.

If you're interested in a Fidelity plan but Fidelity doesn't offer a 529 plan associated with your or your beneficiary's state of residence, consider one of our plan offerings for a state where you have a past or current connection (for example a college connection). Otherwise, consider our national plan, the UNIQUE College Investing Plan.

The UNIQUE College Investing Plan, U.Fund College Investing Plan, Delaware College Investing Plan, & Fidelity Arizona College Savings Plan received Morningstar’s 2019 Silver Rating.3

More smart moves for your education savings

Learn more about 529 Plans

What is a 529 Plan?
Before you open an account, get the facts on this tax-advantaged education savings option.

Saving for Education in the Learning Center
Start here to learn about different savings approaches, tactics to help increase your savings, and other options to help pay for school.

College savings tools

Planning and Guidance Center
Fidelity customers can plan for college as part of this comprehensive financial tool.

College savings calculator
Not a Fidelity customer? Use this tool to see if you're on track to meet your college savings goals.

See all college savings calculators and tools

Creative ways to save

Earn unlimited 2% cash back1 on everyday purchases2 with the Fidelity Investments 529 College Rewards® Visa Signature® Card. Direct your rewards to your Fidelity-managed 529 account to save while you spend.

Invite friends and family to give to your 529 account with our innovative college gifting service.

Get month-by-month savings tips with these 12 college savings strategies (PDF).

Ready to get started?