
How Much Should You Save in a 529 Plan by Your Child's Age?
Age-by-age 529 college savings benchmarks — how much of your total goal you should have saved by ages 5, 10, 15, and 18, plus investment allocation guidance for each stage.
Best back-to-school deals of 2026 ranked by category and savings potential. Walmart leads on core supplies (40-60% off in late July). Best Buy wins on student laptops. Target Circle stacking delivers the best loyalty savings. Full guide to where families save the most by category.

If you're looking for the best back-to-school deals in 2026, Walmart and Amazon lead on school supplies (30-50% below retail during peak sales weeks), while Best Buy wins on student laptops with exclusive Education pricing. The average family spends $874 on back-to-school shopping per child according to the National Retail Federation's 2025 survey — but strategic shoppers who know when and where to buy can cut that by 35-40%. We ranked the top 7 retailers and strategies by savings potential, timing, and category strength.
We evaluated each retailer and strategy across 4 criteria:
| Criteria | Weight | Why It Matters |
|---|---|---|
| Discount Depth During Peak Sale Weeks | High | Determines actual dollar savings vs. regular price |
| Category Strength | High | Each retailer dominates specific categories |
| Timing Flexibility | Medium | Tax-free weekends and early sales require planning |
| Price Match Policy | Medium | Reduces need to shop multiple stores |
Data sources: NRF Back-to-School Spending Survey 2025, Dealnews historical price tracking, RetailMeNot deal database, individual retailer sale calendars (verified May 2026).
Best for: Core school supplies (folders, notebooks, pencils, backpacks under $30)
Peak Sale Period: Mid-July through early August
Savings vs. Regular Retail: 40-60% on supplies during BTS weeks
Walmart runs the deepest back-to-school supply sales of any major retailer — Elmer's glue sticks drop to $0.25, composition notebooks hit $0.50, and 24-count Crayola crayons go for $0.97 during peak weeks in late July and early August. Their $5 and under supply bins reliably contain 90% of most school supply lists. Walmart+ members get free same-day delivery on orders over $35, which matters when you're buying in bulk.
Walmart is the right first stop for K-8 supply lists — fill notebooks, folders, pencils, crayons, and glue in one trip and spend under $25 per child. Skip Walmart for laptops, backpacks above $30, and branded clothing.
Best for: Tech accessories, backpacks, dorm essentials, and hard-to-find brands
Peak Sale Period: Late July Amazon BTS event + ongoing daily deals
Savings vs. Regular Retail: 20-45% on featured items; price history varies
Amazon's back-to-school event runs in late July and features deep discounts on Echo devices, Kindle e-readers, Ring products, and school supplies. The real power of Amazon BTS is breadth — Prime members can price-match hundreds of items that Walmart carries, and the Subscribe & Save feature saves an additional 5-15% on recurring school supply orders. Use the CamelCamelCamel browser extension to verify that sale prices are actually lower than the 90-day historical average before buying.
Amazon BTS works best for parents of middle and high schoolers who need specific brands, plus college students buying dorm supplies in bulk. Not the cheapest for generic supplies where Walmart wins on unit price.
Best for: Laptops, tablets, headphones, and tech for middle/high school and college
Peak Sale Period: July-August BTS event + Back to Campus deals
Savings vs. Regular Retail: $50-$200 off select student laptops; exclusive Education bundles
Best Buy runs a dedicated Back to Campus program from July through September with exclusive education pricing — typically $50-$200 off MacBooks, Dell XPS, HP Spectre, and Lenovo IdeaPad models. They frequently bundle free accessories (cases, headphones, or Microsoft 365) with laptop purchases. The student discount program stacks with BTS sales for maximum savings. A Chromebook for K-8 typically runs $99-$149 during BTS; full Windows laptops for high school and college range from $299-$699 on sale.
Any family buying a laptop for school should start at Best Buy or directly through the manufacturer's student store (Apple Education, Dell University) before buying from Amazon. The exclusive bundles and education pricing are genuine savings that Amazon cannot match.
Best for: Back-to-school clothing, dorm essentials, organization supplies
Peak Sale Period: Mid-July through August, with Target Circle member exclusives
Savings vs. Regular Retail: 20-30% storewide; 40%+ with Circle stacking
Target's back-to-school strength is clothing and room organization — their Cat & Jack kids line (K-8) includes a 1-year quality guarantee, and BTS markdowns on shorts, tops, and shoes hit 30% or more in late July. Target Circle members get early access to BTS deals and earn 1% back on every purchase. The $1-$3 Dollar Spot section at store entrances carries consumable supplies at prices matching Walmart. Stack Target Circle offers + manufacturer coupons + RedCard 5% for maximum savings.
Target is ideal for parents who want to handle clothing and supplies in one efficient trip, especially with younger kids (K-6) where Cat & Jack's guarantee adds real value. The Circle + RedCard stack makes it the best loyalty economics of any BTS retailer.
Best for: High-volume supply purchases, teacher classroom supplies, office-school overlap
Peak Sale Period: Late July through August, with weekly circular deals
Savings vs. Regular Retail: 1-cent deals on pens/folders for rewards members; bulk packs at cost
Staples and Office Depot run "1 cent" deals for rewards members during BTS — composition notebooks, folders, pens, and highlighters priced at $0.01 with in-store pickup (limited quantities per member). These deals are the most aggressive loss-leader pricing in BTS retail. Their bulk supply packs (pre-assembled by grade level) save time if your child's supply list is standard. Staples also has the widest backpack selection outside of Amazon.
Staples is worth a weekly circular check throughout July-August for rewards members. Set deal alerts via the Staples app. If you have a teacher in the family, the educator discount applies year-round and adds additional value beyond BTS season.
Best for: K-12 clothing basics (uniforms, casual wear, outerwear)
Peak Sale Period: July 4th through early September, with frequent 40-50% off events
Savings vs. Regular Retail: 40-60% during semi-annual and BTS sales
Old Navy runs some of the most frequent clothing sales of any family retailer — 40% off sitewide promotions occur 3-4 times per month, and the BTS period from July through September features their deepest uniform pricing ($10-$15 for polo shirts, $12-$20 for chinos). Their Old Navy Credit Card earns 5 points per $1 and stacks with sale prices. Sign up for Old Navy emails to receive exclusive extra-30%-off discount codes that apply during already-on-sale periods.
Old Navy is the best value for high-volume clothing needs — buying 5-7 pants and 10 shirts to stock a K-8 wardrobe costs 40-60% less than department store equivalent. Stack the credit card, email codes, and sale events for best pricing.
Best for: Budget-conscious families, fast-growing kids, lightly-used backpacks and gear
Savings vs. Regular Retail: 60-90% off retail for good-condition items
Best Timing: Shop ThredUp year-round; watch Facebook Marketplace listings in July-August
ThredUp is the largest online thrift store in the US with 4+ million active listings. For fast-growing K-5 kids who wear clothes for one year before outgrowing them, buying quality used clothing at $4-$8 per item versus $18-$25 new is straightforward math. Gently-used LL Bean and JanSport backpacks in excellent condition appear regularly for $8-$20 (versus $40-$60 new). Facebook Marketplace has hyper-local listings — many parents sell brand-name school clothing their kids outgrew after one year.
ThredUp and secondhand buying work best for K-5 families where kids grow fast, wardrobes have a short useful life, and brand matters less than fit and function. Less practical for high schoolers where brand awareness is higher among peers.
| Retailer | Best Category | Peak Savings | Loyalty Program | Best Timing |
|---|---|---|---|---|
| Walmart | Core supplies | 40-60% | Walmart+ | Mid-July |
| Amazon | Tech, backpacks | 20-45% | Prime ($7.49 student) | Late July event |
| Best Buy | Laptops | $50-$200 off | My Best Buy | July-August |
| Target | Clothing, dorm | 20-40% stacked | Target Circle + RedCard | Mid-July |
| Staples | Bulk supplies | 1-cent deals | Staples Rewards | Weekly circulars |
| Old Navy | Uniform basics | 40-60% | Old Navy Card | July-September |
| ThredUp | Used clothing/gear | 60-90% | None | Year-round |
This guide draws on the National Retail Federation's 2025 Back-to-School Spending Survey, Dealnews historical BTS price tracking data, RetailMeNot's annual BTS deal calendar, and direct review of retailer sale policies and loyalty programs. We reviewed sale pricing from the past 3 BTS seasons (2023-2025) to identify consistent patterns. Prices and sale dates can shift year to year — always verify current promotions directly with each retailer before shopping. We review this guide annually each spring.
Most major BTS sales begin in early-to-mid July, with peak pricing in late July through mid-August. Walmart and Target typically start rollbacks on July 4th weekend. Amazon's BTS event runs in late July. Best Buy laptop deals begin in July and extend through September for college students.
The National Retail Federation reported average back-to-school spending of $874 per household with K-12 students in 2025. Spending is highest for high schoolers (laptops, clothing) and college freshmen (dorm essentials). Strategic shoppers who use sale timing and loyalty stacking can realistically cut this to $400-$600.
The last 2 weeks of July offer the best supply pricing at Walmart, Target, and Staples. By the first week of August, popular items (specific folders, brands) start selling out and prices are less consistently discounted. For clothing, early July to late August is a broad window with consistent 30-50% off events.
Yes. About 17 states offer back-to-school tax-free weekends in July or August, saving 5-10% on qualifying purchases. If your state participates, stack tax-free weekend with sale pricing and loyalty discounts for maximum savings. Check your state revenue department for qualifying items and dates.
Always buy new: underwear, socks, shoes (fit and safety matter), and headphones/earbuds (hygiene). Fine to buy used: backpacks (inspect carefully), outerwear, jeans, sweatshirts, and most clothing basics. Laptops can be purchased certified refurbished from manufacturer stores with full warranty at 15-30% savings.
Chromebooks remain the best value for K-8 students at $99-$149 (ASUS and Lenovo models from Best Buy). For high school and college, the Lenovo IdeaPad 3 (around $349-$399 on sale) and HP Pavilion ($399-$449) consistently offer the best performance-to-price ratio. Apple MacBook Air (M3, starts at $999 for students) remains the premium pick for longevity.
Most schools post supply lists on their website by late June. Many Target and Walmart stores also carry pre-printed supply lists organized by school, or use the School List Assist feature in the Walmart app (enter your school to pull the official list directly).
Return windows vary: Target allows 90 days (with RedCard), Walmart 90 days, Old Navy 60 days for online/45 days in-store. Cat & Jack at Target has a 1-year quality guarantee for defective items specifically. ThredUp final-sale items cannot be returned. Always check the policy before buying clothing for growing children.
Prices, sale dates, and retailer policies change frequently and vary by region. All pricing data is based on historical BTS sale patterns from 2023-2025. Verify current pricing directly with each retailer before purchasing. This content is for informational purposes only. Last updated: May 2026. We review this guide annually.

Age-by-age 529 college savings benchmarks — how much of your total goal you should have saved by ages 5, 10, 15, and 18, plus investment allocation guidance for each stage.

Eight accredited online high school programs compared for 2026 — tuition-free state virtual public schools, accredited private options like Laurel Springs and Stanford Online High School, and university-affiliated programs — with honest pros and cons, typical cost ranges, and a verification checklist to run before you enroll.

Your state 529 app should be the foundation — the tax treatment matters far more than the interface. We compared 7 college savings apps on tax treatment, fees, gifting features, and financial aid impact, plus a practical starting order for families.