{"uid":"cap_atOml2ON1cFU7AkvOxZ0x","slug":"taxpulse-529-withdrawal-rollover-qualification-checker-58ef3160","name":"TaxPulse 529 Withdrawal & Rollover Qualification Checker","description":"529 withdrawal & rollover checker — is THIS withdrawal qualified? K-12 (OBBBA $20k cap from 2026 + expanded categories), postsecondary credentialing, SECURE 2.0 Roth rollovers (15-yr/5-yr/earned-income/$35k gates computed), student-loan cap, non-qualified tax + 10% penalty math with exception routing — plus the California non-conformity traps (K-12, credentialing and 529→Roth are ALL CA-taxable + 2.5% despite being federal-tax-free). Deterministic, citation-pinned, no LLM.","url":"https://taxpulse.theaslangroupllc.com/api/tax/529-check?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","required":["purpose","amount"],"properties":{"state":{"type":"string","description":"Your state — CA arms the non-conformity traps (K-12, credentialing, Roth rollovers all CA-taxable + 2.5%)"},"amount":{"type":"string","description":"Withdrawal/rollover amount, e.g. 15000"},"purpose":{"type":"string","description":"college|k12|credentialing|roth_rollover|nonqualified|apprenticeship|student_loan"},"account_age_years":{"type":"string","description":"roth_rollover: years the account has existed for this beneficiary (15 required)"},"beneficiary_earned_income":{"type":"string","description":"roth_rollover: beneficiary earned income this year"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"purpose parameter required"},"description":"Invalid or missing parameter(s) — required: purpose, amount. Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}},"example":{"federal":{"eligible_this_year":7500},"verdict":"QUALIFIED_WITH_LIMITS","california":{"trap":true}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.5","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":{"p10Cents":"50.0000","medianCents":"50.0000","p90Cents":"50.0000","minCents":"50.0000","maxCents":"50.0000","p95Cents":"50.0000","sampleCount":1,"varies":false,"failureChargeRate":null},"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.5/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_WzXUn_R3z1mJWkxfT-H-O","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.5","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Determines whether a 529 plan withdrawal or SECURE 2.0 Roth rollover is federally (and California) qualified, computes applicable taxes and penalties, and routes through all gate conditions including OBBBA K-12 cap, credentialing, student-loan cap, and CA non-conformity traps.","exampleAgentPrompt":"I'm in California and I want to roll $20,000 from a 529 account that's been open 16 years into a Roth IRA for my daughter who has $12,000 in earned income — is this rollover qualified under SECURE 2.0 and will California tax it anyway?","exampleUseCases":[{"title":"K-12 withdrawal tax consequences check","prompt":"My son's private school tuition is $15,000 this year and I'm thinking about pulling it from his 529 — we're in California so I need to know if this counts as a qualified withdrawal or if we'll face penalties and state taxes on top."},{"title":"Non-qualified withdrawal penalty calculator","prompt":"I took out $8,000 from my daughter's 529 for something other than education last year and never reported it — what's the federal 10% penalty and income tax I owe, and does California pile on additional tax too?"},{"title":"Credentialing program eligibility verification","prompt":"My daughter wants to do a 6-month coding bootcamp that costs $12,000 and I want to use her 529 — is this considered a qualified education expense federally and in California, or will we get hit with taxes and penalties?"}],"resultDescription":"A deterministic, citation-pinned analysis indicating whether the withdrawal or rollover is federally qualified, whether California treats it as taxable despite federal exemption (K-12, credentialing, or 529→Roth are CA-taxable), the exact federal income tax and 10% penalty owed if non-qualified, applicable exceptions, and pass/fail results for all SECURE 2.0 gate conditions (15-year account rule, 5-year Roth seasoning, earned income limit, $35k lifetime cap).","failureModes":["Missing required withdrawal type parameter — returns validation error","Withdrawal amount exceeds applicable cap (e.g. OBBBA $20k K-12 limit) — flags as partially non-qualified","Insufficient earned income to support Roth rollover amount — gate fails with explanation","Ambiguous beneficiary state — California non-conformity check skipped or defaulted","Invalid or out-of-range account age — 15-year SECURE 2.0 gate cannot be evaluated"],"whenToPreferThis":"Use this endpoint when you need a deterministic, rule-based qualification check for a specific 529 withdrawal or rollover scenario — especially when California non-conformity is a concern or when SECURE 2.0 Roth rollover eligibility gates need to be evaluated. Prefer this over general tax AI when you need citation-pinned answers rather than probabilistic outputs.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-28T12:32:32.526Z","isFirstParty":false,"canonicalSlug":"taxpulse-529-withdrawal-rollover-qualification-checker-58ef3160"}