2024 529 Contribution Limits Texas. Each state’s 529 plan vendor sets its own aggregate contribution limit. In 2024, individuals can gift up to $18,000 in a single 529 plan without those funds counting against the lifetime gift tax exemption amount.
The 529 plan must be open for at least 15 years before it can be rolled over into a roth ira and there’s a $35,000 lifetime limit on. Maximum aggregate plan contribution limits range from $235,000 to $529,000 (depending on the state), but such limits generally do not apply across states.