College Savings Calculator
Plan for college costs with this 529 / college savings calculator. Enter your savings goal, current balance, monthly contributions, and expected return to see if you are on track and how much you'll have at enrollment.
How to use this tool
- Enter college savings goal, current savings, monthly contribution, expected annual return and years until enrollment in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your projected balance at enrollment and the full breakdown beneath it.
College costs have risen faster than inflation for decades. Starting a 529 college savings plan early takes advantage of years of tax-advantaged growth to reduce the burden of tuition at enrollment.
Frequently asked questions
- What is a 529 plan?
- A 529 is a tax-advantaged savings plan for education expenses. Contributions are after-tax but growth and qualified withdrawals are federal tax-free.
- What if I overshoot my goal?
- 529 funds can be rolled to a Roth IRA (lifetime limit applies) or used for another family member's education costs.