Missouri · 2026 contributions
Missouri 529 tax deduction calculator.
See how much of your MOST 529 contribution is deductible on your Missouri return and what it saves you.
Yes. Missouri residents can deduct MOST 529 contributions up to $8,000 per person, or $16,000 if married filing jointly, on their Missouri return every year they contribute.
The amounts come from the MOST 529 plan site, read November 2, 2026. Enter your contribution and your state tax rate to see the deduction and the tax saved.
Your numbers
Result
How this is calculated
The MOST 529 tax-advantages page lists a state tax deduction for Missouri residents of up to $8,000 per person, or $16,000 if married filing jointly, and repeats it as annual deductions for Missouri taxpayers saving with the MOST 529: couples filing jointly up to $16,000 and an individual up to $8,000. It also says earnings on nonqualified withdrawals may be subject to state income tax and to recapture of Missouri deductions.
The wording is per person, not per child, so adding beneficiaries does not raise the cap. The page does not state a contribution cutoff for a given tax year, so this calculator shows no countdown; confirm timing with the Missouri Department of Revenue before relying on a late-year or after-year-end contribution.
The calculator applies the cap for your filing status and multiplies the deductible amount by the Missouri rate you enter. We do not guess your rate, because it depends on your income.
Worked example
$10,000, single. $8,000 is deductible and $2,000 is over the cap.
$20,000, married filing jointly. The joint cap of $16,000 applies, so $16,000 is deductible and $4,000 is over.
$5,000, single, at a 4.5% rate. All $5,000 is deductible, so the state tax saved is $225.
Limits of this estimate
We read the MOST 529 plan site, not a Missouri Department of Revenue page (the department site returned a page with no 529 detail). The plan page does not say how married filing separately is treated, so the calculator uses the single cap for that status; check the Missouri return instructions. It also gives no timing rule, rollover treatment or recapture formula. The tax saved is only the Missouri income tax effect at the rate you enter.
Who should check first
If you moved in or out of Missouri during the year, contribute to a plan from another state, or have contributions that a grandparent or other relative made, confirm on the Missouri return who can claim them. The plan page speaks only about Missouri residents and the MOST 529.
Sources
Primary sources opened and checked on November 2, 2026. Figures are for tax year 2026 unless a source says otherwise.
Frequently asked questions
Does Missouri have a 529 tax deduction?
Yes. The MOST 529 plan says Missouri residents can claim a state tax deduction for contributions.
How much can I deduct in Missouri?
Up to $8,000 per person, or $16,000 if married filing jointly, per the MOST 529 tax-advantages page.
Is the Missouri limit per child?
The plan's wording is per person, not per beneficiary, so more beneficiaries do not raise the cap.
What is the Missouri 529 contribution deadline?
The plan page does not state one. Confirm with the Missouri Department of Revenue whether a contribution made after December 31 can count for the prior year.
What happens if I take a nonqualified withdrawal?
The plan says earnings on nonqualified withdrawals may be subject to state and local income taxes and recapture of Missouri deductions.
Is there a federal deduction too?
No. Federal law gives no deduction for 529 contributions. The federal benefit is tax-free growth on qualified withdrawals.
Not tax advice
This page is general information, not tax, legal or financial advice. Tax rules change and your facts may differ. Confirm anything that matters with your state tax agency, your 529 plan or a tax professional before you act. Everything runs in your browser; nothing you enter is sent anywhere.