# TaxPulse 529 Withdrawal & Rollover Qualification Checker

> 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.

## Facts

- Endpoint: GET https://taxpulse.theaslangroupllc.com/api/tax/529-check
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/taxpulse-529-withdrawal-rollover-qualification-checker-58ef3160
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_atOml2ON1cFU7AkvOxZ0x

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability taxpulse-529-withdrawal-rollover-qualification-checker-58ef3160
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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

## 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).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "amount",
  "purpose"
 ],
 "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"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "federal": {
   "eligible_this_year": 7500
  },
  "verdict": "QUALIFIED_WITH_LIMITS",
  "california": {
   "trap": true
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/taxpulse-529-withdrawal-rollover-qualification-checker-58ef3160/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from taxpulse.theaslangroupllc.com](https://www.zero.xyz/host/taxpulse.theaslangroupllc.com/llms.txt)