College Savings Calculator
Project 529 savings against rising tuition costs.
Projected savings at 18
$91,963
Projected 4-year cost
$211,193
Coverage
44%
Shortfall
$119,229
Tuition inflates faster
College costs have outpaced general inflation for decades — 5% yearly is the standard planning assumption, which doubles costs in about 14 years. Starting at birth roughly halves the monthly contribution needed versus starting at age 9.
Why a 529
529 plans grow tax-free for education, many states add a deduction, and unused funds can now roll (within limits) to the beneficiary's Roth IRA. Full coverage isn't mandatory — many families target half to two-thirds, with financial aid and current income covering the rest.
Frequently asked questions
- How does the College Savings Calculator work?
- Project 529 savings against rising tuition costs.
- Is the College Savings Calculator free to use?
- Yes. The College Savings Calculator is completely free, runs entirely in your browser, and requires no account or sign-up. Your inputs never leave your device.
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