Updates
530A rules are young and still evolving — this log records every rule re-verification and site change, dated. Rules last verified .
MCP server opened to every AI platform #
Published to the official MCP registry (com.530amodel/calculator) with ChatGPT-compatible search/fetch tools, structured tool results, and platform setup guides for Claude, ChatGPT, Cursor, and agent APIs.
Live fund returns in the Advanced Model #
New fund and historic-period dials set the return assumption from real market data (trailing 1/5/10-year annualized returns for the eligible funds), converted to after-inflation terms with the math shown.
New guides: glossary, withdrawals, timing, employer money, 530A vs 529 #
Five plain-English reference pages covering the questions families actually search, each grounded in the verified rules and linked to primary sources.
Security hardening #
Strict Content-Security-Policy with per-build script hashes, HSTS, and per-IP rate limiting on all public endpoints.
Pledges & gifts feed #
A tracked feed of reported 530A pledge programs, with human-reviewed entries you can model for your own child in one click — now also available as RSS.
Public API and MCP server #
The calculator engine became free to call: JSON API with OpenAPI spec, and a read-only MCP server for AI assistants. No auth, nothing stored, attribution asked.
Rules verified against primary sources #
Every figure re-checked against the statute, IRS Notice 2025-68, and the CRS overview. Unverifiable items (529 rollover, early-withdrawal penalty, cap indexing mechanics) remain explicitly flagged pending the expected March 2026 regulations.
530amodel.com launch #
Free, privacy-first 530A calculator: instant projection widget, Advanced Model with seeded Monte-Carlo ranges, and cent-exact math cross-verified between two independent implementations.
Watching for the Treasury regulations (originally anticipated March 2026, still pending as of our last review)? They will settle the flagged items on the resources page; re-verifications land here first.
While you wait: model a scenario or check the FAQ for what's already settled.