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.

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