529-style projection: will your savings keep pace with rising tuition? Amounts shown in future (nominal) dollars, since that's what the bill will say.
Rough 2026 all-in averages: ~$28k/yr public in-state, ~$47k/yr public out-of-state, ~$62k/yr private.
College costs have historically risen faster than general inflation — 4–6%/yr is a common planning range.
529 age-based portfolios typically de-risk as college nears; 6% is a reasonable blended average.
This college savings calculator projects a 529-style plan against rising tuition, showing whether your starting balance and contributions will cover the cost when your child enrolls. Figures are in future dollars, because that is what the tuition bill will actually say.
The calculator inflates today's tuition by your assumed tuition-inflation rate to the years your child will be enrolled, then projects a 529-style plan's balance from your starting amount and contributions at your expected return. Comparing the two shows the coverage percentage, the funding gap, and the monthly contribution needed to close it. Figures are in future dollars, because that's what the bill will actually say.
It depends on the school type and years until enrollment. The calculator projects the future cost and the monthly savings needed to meet it.
A 529 is a tax-advantaged account for education costs. Investments grow tax-free and withdrawals for qualified expenses are not taxed.
Because tuition keeps rising. Showing the projected bill and your savings in future dollars makes the comparison honest about what you will actually owe.
It depends on the school type and years until enrollment. The calculator projects the future cost and solves for the monthly contribution that fully funds it, so you can set a concrete target.
A 529 is a tax-advantaged education savings account: investments grow tax-free and withdrawals for qualified expenses aren't taxed. Many states also offer a tax deduction for contributions.
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