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529 Tracker

529 Tracker

529 Expense/Withdrawal Tracker

6 ratings
4 reviews
📚 Education
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • November 26, 2025
  • June 28, 2026

Developer

Charlie Mike Studios LLC
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🧾$5.99 - $54.99
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About

This app helps families organize, document, and calculate education expenses to maximize eligible withdrawals from 529 education savings plans. It tracks expenses by student and academic term, manages scholarships, and generates detailed reports for tax season.

✓Multi-student expense tracking
✓Comprehensive expense and report exports
✓Record and categorize education expenses
✓Annual summary dashboard
✓Smart withdrawal calculator
✓Academic term organization
✓Scholarship & income tracking
✓Receipt management
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What's New in 529 Tracker

3.2

June 28, 2026

Calculations & Bug Fixes • R&B COA cap annual pooling bug fix • Same pooling fix applied to calculateAnnualWithdrawalData (parallel code path) • 16-test unit test suite covering all edge cases Color System • Full semantic color system applied across all views and PDFs • Zero-value rule: zero amounts always show neutral, not semantic color • Non-Eligible Scholarship Income → neutral color everywhere • GI Bill aggregate rows → neutral; by-type Tuition row → green only • Color Key card added to Annual Summary Sheet • Color Guide section added to Help & FAQ Scholarship Income Alerting • Inline compact warning in Calculations view • "Scholarship Income (non-eligible)" row in Eligibility Breakdown (all views, PDFs, CSVs) • Non-eligible scholarship card in Year-End Action Center • "Scholarship Income Documented" checklist item in Compliance Center (10 pts, max raised to 110) • "Consider a Withdrawal" card in Alert Management (replaces year-end-only card, shows year-round) AI Assistant (full feature) • Pinned accountant disclaimer banner • Markdown rendering in chat bubbles • 20-question/day soft cap • Persistent chat session (context no longer resets between turns) • Multi-student clarification hardened • Navigation fallback rule (directs to exact screen when no tool covers a question) • 5 additional tool functions: account balances, compliance score, missing receipts, total withdrawals, saved 1099-Q • New Chat button • AI tile added to Quick Links Card • AI button in sidebar and dashboard (iPhone + iPad) • Massive knowledge base expansion (~65 KB → ~89 KB) Push Notifications • New December 5 contribution deadline reminder (repeating annual) Personal Notes (full feature) • Free-form text editor with lined notepad background • Photo and PDF attachments with thumbnail strip • 2-second auto-save debounce • Share/export as PDF • Notes included in Annual PDF and Audit Binder PDF • "Clear Notes" button with confirmation alert Legal / Privacy • Privacy Policy updated June 2026 (Gemini/AI disclosures) • Account deletion fix

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Subscription plans

Full Access to 529 Tracker

Track education expenses, scholarships, & withdrawals

$5.991 Month
7 Days trial
How to cancel 529 Tracker subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Game Changer!

I don’t normally leave reviews but, I am so happy I found this app and It has helped me so much! There are so many great youtube videos to help you with anything you need and the app is so easy to use, it truly has changed the game!
MyNamesJakeMyNamesJake

Useful and Educational

I felt overwhelmed with the complexity of IRS rules regarding educational expense documentation and withdrawal limits. This App makes it easy. It guides you through every step and ensures IRS compliance. No more worries at tax time. Even my tax preparer was impressed.
Mnestor1959Mnestor1959

Great App!

This app has been very helpful in my managing of the college expenses. I don’t have to dig through receipts or emails to see what I spent last week. It puts everything in one place so it’s a lot smoother and you’re able to know where your money goes. Really a great app.
Copper 2025Copper 2025

Makes 529 withdrawals way less scary

I find the IRS rules for 529 plans are hard to understand.

This app walked me through what I needed and calculates what I can withdraw without tax issues (best part).

I hate taking notes, I love that I can take pics with my phone, of receipts and share access with my wife.

This app saved me some time and money.
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YT is dying.YT is dying.

Response from developer

Thank you so much for this wonderful review! We’re thrilled that our app has made navigating 529 withdrawals less stressful for you. Making complex IRS rules understandable and helping you avoid tax issues is exactly why we built this app. We’re especially glad the receipt photo feature and sharing capabilities are saving you time and making it easier to stay organized with your wife. Your feedback means the world to us. If you ever have suggestions for how we can make the app even better, please don’t hesitate to reach out!

FAQ

How does 529 Tracker help with 529 withdrawals?

529 Tracker helps you organize and document all qualified education expenses. It then uses this data to calculate eligible withdrawals, ensuring you maximize your tax-free benefits according to IRS guidelines.

Can I track expenses for multiple students with 529 Tracker?

Yes, 529 Tracker offers multi-student expense tracking. You can record and categorize expenses for each student individually and assign them to specific academic terms.

What types of expenses can I track in 529 Tracker?

You can record and categorize a wide range of education-related expenses, including tuition, fees, books, supplies, room and board, and required equipment. The app also helps differentiate between eligible and non-eligible expenses.

Does 529 Tracker support family sharing?

Yes, 529 Tracker enables family sharing and syncing across multiple devices. This allows family members to access and collaboratively track data securely via the cloud.

Can I export my expense data from 529 Tracker?

Absolutely. 529 Tracker provides comprehensive expense and report exports in both PDF and CSV formats. This makes it easy to prepare for tax season and share your financial records.

How does 529 Tracker handle scholarships and grants?

The app allows you to track scholarships, grants, and employer benefits that may offset eligible withdrawals. It clearly separates eligible and non-eligible income to ensure accurate reporting.

Is 529 Tracker available on all devices?

529 Tracker is available on Mac, iPhone, and iPad, allowing you to access your data across your Apple ecosystem. It syncs securely across all supported devices.

How often is 529 Tracker updated?

The latest version, 2.2, was released on February 13, 2026. The app is actively maintained, with updates typically released to improve features and ensure compatibility.