Invest today for your child's tomorrow
Celebrating 25 years of
T. Rowe Price 529
AMP up your education savings
with a $250 incentive1
Give the gift of education
with Ugift®
Gold rated by
Morningstar2
Have a plan to make every dollar count
Whether you're just getting started or are already familiar with the benefits of a 529 plan, we may have a solution to help meet your needs.
T. Rowe Price 529 features
A $250 incentive, Gold rated by Morningstar, strongly rated by Savingforcollege.com, convenient gifting through Ugift, and a 529 education savings library backed by decades of investment expertise.1, 2, 3, 4
Learn more
More than college
Use your savings at nearly any accredited college; university; or vocational, trade, or graduate institution in the U.S. and at some international schools as well.
View approved uses
Strategic approach
We have powerful online tools and resources that can help you build a smart financial strategy for saving for future education.
Learn more
Give your education savings extra momentum!
- Open a new account
- Contribute $250 or more by December 31, 2026
- You may receive a $250 incentive contribution1
Strong performance sets us apart
T. Rowe Price has over 80 years of investment experience, in every kind of market. Our plan is highly rated by Morningstar, receiving a Gold rating in 2025,2 highlighting our commitment to helping families invest in their future.
Learn about investment options
Take the first step in your education journey
Determining how to save, how much to save, and how often to save may feel overwhelming. We offer tools and resources to help you plan, estimate future education costs, and help manage your education savings strategy.
Readysave™ 529 App
Manage your account anytime, anywhere.
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Regularly monitor your account
Check your account balance, transaction history, and investment allocations.
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Contribute at your pace
Add money to your balance as a one-time or recurring contribution.
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Gifting from friends and family
Easily invite friends and family to help give your savings a boost with Ugift®.
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Request a withdrawal
Send money directly to a school or a bank account on file to pay for qualified education expenses.
Ready to get started?
Ugift® is a registered service mark of Ascensus Broker Dealer Services, LLC.
1Certain restrictions apply; see terms and conditions for details and eligibility requirements.
2Morningstar analysts reviewed 59 plans for its 2025 ratings (11/10/25), of which 5 plans received a "Gold" rating. To determine a plan's rating, Morningstar's analysts organized their research around 4 key pillars: Process, People, Parent, and Price. Plans were then assigned forward-looking ratings of "Gold," "Silver," "Bronze," "Neutral," and "Negative." Each year, certain of the industry's smallest plans are not rated. Click here for more information on the criteria used in compiling a plan's 529 ratings.
Analyst Ratings are subjective in nature and should not be used as the sole basis for investment decisions. Analyst Ratings are based on Morningstar analysts' current expectations about future events and, therefore, involve unknown risks and uncertainties that may cause Morningstar's expectations not to occur or to differ significantly from what was expected. Morningstar does not represent its Analyst Ratings to be guarantees.
©2026 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
3Each quarter, Savingforcollege.com analyzes the investment performance figures for thousands of 529 enrollment-based portfolios, comparing the reported investment performance of a subset of portfolios from each 529 savings plan to produce their rankings. As of 12/31/25, the rankings for T. Rowe Price 529 were: 2 out of 23, 4 out of 44, 3 out of 50, and 25 out of 53 for the 10-, 5-, 3-, and 1-year periods, respectively.
Saving for College compares historical investment returns for all enrollment-based portfolios, including age-based and year-of-enrollment portfolios, within a given age band from 0 to 19+. A hypothetical average annual return is then calculated for each plan's enrollment-based portfolios along a glide path from 0 to 19+, and the plans are ranked from highest to lowest return. There are separate comparisons for direct-sold and advisor-sold plans. More information about the methodology and the performance rankings can be found on Savingforcollege.com.
4Saving for College evaluated a total of 85 state-sponsored 529 savings programs for its 2025 Ratings: 55 direct-sold programs and 30 advisor-sold programs. Top of the Class designation was awarded to less than 20% of the evaluated programs in each category. Visit this page for more information on the criteria used in compiling a plan's 529 rating. The factors Saving for College examined and scored for each 529 plan are grouped into four categories: Performance, Ease of Use, Savings Success, and Program Delivery. A plan's four individual category scores are computed on a scale of 1 to 5 and carried out to two decimal places. The overall 529 Rating is a weighted average of these four category scores.
