What this calculator shows you
- Future Cost Projection
- Account for college inflation
- Savings Goal
- How much to save monthly
- 529 Analysis
- Tax-advantaged savings options
- Multiple Children
- Plan for your whole family
College Cost Inflation
Published tuition has risen about 3-4% a year recently, close to general inflation. Average 2025-26 total budgets: Public in-state ~$31K/year, Public out-of-state ~$51K/year, Private ~$65K/year. Project forward from today.
529 Plans
529 plans offer tax-free growth and withdrawals for education. State tax deductions may apply. Anyone can contribute. Funds can transfer to other family members if not used.
Questions people ask
How much should I save for college?
A common goal is 1/3 from savings, 1/3 from current income, 1/3 from loans/aid. This balances preparation with flexibility. Do not sacrifice retirement savings for college—kids can borrow, you cannot.
Education only, not personalized financial, tax or investment advice. Results are estimates based on the numbers you enter; real returns vary and losses happen.