Free · Instant · Interactive
College Savings Calculator - 529 & Goal Planner
Estimate future college costs and how much to save monthly in a 529 plan. Free college savings calculator with cost inflation.
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Your inputs
A 529 grows tax-free — start early to let compounding work.
Your result
Future cost
$226,000
Projected savings
$178,000
Gap
$48,000
Needed monthly
$310
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FAQ
How much does college cost?
Tuition + fees + housing now average $25k–60k/year in the US. With ~5% inflation, that grows significantly by enrollment.
What is a 529 plan?
A tax-advantaged savings account for education. Earnings grow tax-free if used for qualified education expenses.
How much should I save monthly?
Depends on the goal, current savings and return. A 529 with 6% return cuts the monthly amount dramatically.
Do 529s affect financial aid?
Parent-owned 529s count as a parent asset (assessed at up to 5.64%), less impactful than student assets.
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