🎓 College Savings Calculator

Plan your child's education fund. See how much to save each month and whether you're on track to cover future college costs.

Child's Current Age

College Start Age

Typically 18

Annual College Cost Today ($)

Public in-state: ~$25k · Private: ~$55k · Includes tuition, room & board

Years in College

Tuition Inflation Rate (% / year)

Historical average: 5-6% (faster than general inflation)

Expected Investment Return (%)

Current College Savings ($)

Monthly Contribution ($)

Total College Cost

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Projected Savings

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Funding Gap

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% Funded

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What Is a 529 Plan?

A 529 plan is a tax-advantaged savings account designed for education costs. Contributions grow tax-free, and withdrawals for qualified education expenses are also tax-free. Many states offer tax deductions for contributions. Start early — even small monthly contributions can make a big difference over 10-15 years of compounding.