What is the 529 to Roth IRA rollover limit?

A 529-to-Roth IRA rollover limit is the lifetime and annual restriction that controls how much of the eligible unused education savings may be transferred from a 529 plan to a Roth IRA for the same beneficiary. SECURE 2.0 created a lifetime cap, annual Roth IRA contribution coordination, earned compensation requirements, and account-age tests. For individuals, the limit review should track account opening dates, beneficiary history, recent contributions, direct Roth IRA contributions, and completed rollovers, so that leftover education funds can move without excess contribution issues before annual filing reviews. Individuals can combine this rollover with other education and retirement planning strategies.

Related Terms

What is a 529 plan?

What is a Beneficiary?

What is a Backdoor roth conversion?

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