Contributions and Gifting
An Oklahoma 529 can be started with as little as $25. How much and how fast you need to save will depend on what you plan to use the money for and when.
A few helpful tools: -Check out the College Savings Calculator to estimate the cost of college. -Use our College Planning Calculator to see how your savings could add up over time.
You can contribute to an Oklahoma 529 account by any of the following: check, electronic funds transfer, establishing a recurring contribution, establishing payroll direct deposit, rollover from another state's 529 plan account, or redemption proceeds from a Coverdell Education Savings Account or qualified U.S. savings bond. Your contribution will be invested according to your allocation instructions, which you may change at any time online, by telephone or by requesting and submitting the Change of Investment Form.
Contributing to an existing Oklahoma 529 account is easy and secure with our online Ugift ® platform . Gift contributions can also be made by check and mailed in. Oklahoma residents' gifts may be eligible for the state tax deduction. Check with your tax advisor.
For the tax year 2026:
There's no federal gift tax on contributions you make up to $19,000 per year if you're a single filer or $38,000 if you're a married couple.
You can also accelerate your gifting with a lump-sum gift of $95,000 if you're a single filer or $190,000 if you're married and prorate the gift over five years per the federal gift tax exclusion.
You can gift this amount to as many individuals or beneficiaries as you like, free from income tax.
Consult your tax advisor for more details. Learn more about gifting .
To view your transaction history, log in to your account, click "View Details" for your beneficiary and scroll down to the transactions section. You can always speak to one of our college savings specialists at 877-654-7284 , Monday through Friday, 7 a.m. to 7 p.m. CT.
There is no maximum Oklahoma 529 contribution limit. However, there is an overall maximum account balance limit of $450,000, which applies to all Oklahoma 529 accounts opened for a beneficiary. Accounts that have reached the maximum account balance limit may continue to accrue earnings.
Oklahoma 529 accounts can be opened with as little at $25, and contributions of any amount can be made. Check out our unique gifting feature to see how you can easily and securely ask for and manage gift contributions to your Oklahoma 529.