Press "Enter" to skip to content

529 Calculator

College Planning

529 College Savings Calculator

A Fiscal Investor tool for planning the road to college—what you’re saving, what college may cost in the future, and how close you are to covering the goal. Use this to guide your monthly “automatic wins,” not to chase perfect precision.

🧮 Inputs

Common planning range: 6–8% for balanced portfolios (not guaranteed).
Think: 4-year total (tuition + living + books), adjust to your situation.
Historical ballpark: ~5–6% (varies by period and school).
Important: This is an educational planning tool. Real outcomes depend on market returns, contribution changes, tuition inflation, and your specific school/path.

📈 Results

Projected Balance
$0
At college start
Investment Growth
$0
Returns above contributions
Coverage
0%
Of projected college cost
Total Contributions$0
Projected College Cost$0
Years Until College0
Shortfall$0

Want the “big picture” college playbook? Read our Saving for College guide.

🎓 About 529 Plans

Tax advantages: Earnings can grow tax-free, and qualified education withdrawals are tax-free (rules vary by state).

Flexibility: Funds can often be used at most accredited schools and certain education paths.

Control: The account owner typically controls the funds, not the beneficiary.

Fiscal Investor approach: Automate contributions, keep expectations realistic, and review annually as your child gets closer to college.

Start Your Fiscal Investor Journey Track a SMART Goal