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TaxPulse 529 Withdrawal & Rollover Qualification Checker
x402
TaxPulse 529 Withdrawal & Rollover Qualification Checker is a paid API for AI agents from taxpulse.theaslangroupllc.com, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-14).
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.
Price / call$0.5
Success—
StatusUnknown
How this service works
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.
Output
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).
Example use cases
K-12 withdrawal tax consequences check
“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.”
Non-qualified withdrawal penalty calculator
“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?”
Credentialing program eligibility verification
“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?”
Technical details
Endpoint
GEThttps://taxpulse.theaslangroupllc.com/api/tax/529-checkWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| state | string | Your state — CA arms the non-conformity traps (K-12, credentialing, Roth rollovers all CA-taxable + 2.5%) |
| amountrequired | string | Withdrawal/rollover amount, e.g. 15000 |
| purposerequired | string | college|k12|credentialing|roth_rollover|nonqualified|apprenticeship|student_loan |
| account_age_years | string | roth_rollover: years the account has existed for this beneficiary (15 required) |
| beneficiary_earned_income | string | roth_rollover: beneficiary earned income this year |
Output
Schema · Response
{
"type": "json",
"example": {
"federal": {
"eligible_this_year": 7500
},
"verdict": "QUALIFIED_WITH_LIMITS",
"california": {
"trap": true
}
}
}Tags
x402
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