Are there any limits to how much I can contribute?

Annual Standard Contribution Limit

There’s a $19,000 yearly limit for standard contributions, which includes any gift contributions made to your account. There is a $10 contribution minimum.

ABLE to Work Contribution Limit

The ABLE to Work Act allows beneficiaries who are employed to contribute an amount equal to their current year’s gross income (up to a maximum of $15,060 in 2025) each year to their ABLE accounts in addition to the annual standard contribution limit of $19,000.

If the beneficiary or their employer is contributing to a defined contribution plan (401(k)), annuity plan (403(b)), or deferred compensation plan (457(b)) in the same calendar year, the beneficiary is not eligible to make ABLE to Work contributions.

Maximum Balance

There is a maximum balance of $500,000 for each Washington State ABLE Savings Plan account. Once your account reaches this limit, your account may continue to earn money, but you will not be able to make any additional contributions until your balance is below this limit.