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.
Related calculators
Mortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance, and a full amortization schedule.
Loan Calculator
Work out payments, total interest, and payoff time for any fixed-rate loan.
Compound Interest Calculator
See how savings and investments grow with compounding over time.
Auto Loan Calculator
Estimate car payments including trade-in value, sales tax, and dealer fees.