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College Savings & 529 Plan Calculator
See how your current college savings and monthly contributions stack up against projected future costs, for one student or several, and find out how much you may need to save each month to reach your goal.
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Before You Begin
Results are estimates to help you plan, not a guarantee that any contribution level will fully fund college costs. Actual costs and investment returns will differ from these projections.
Investment returns are never predicted or guaranteed — you choose the assumptions used, and market performance can be higher or lower than any scenario shown here.
State tax benefits for 529 contributions vary widely and this tool doesn't calculate them for you — check your own state's current rules.
This tool doesn't factor in financial aid, scholarships, or grants, which can meaningfully change how much you actually need to save.
Building college savings shouldn't come at the expense of your own essential emergency savings or retirement security.
Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.
A note on guardrails
These results are estimates meant to help with planning, not a guarantee that any savings level will fully cover future college costs. Investment returns are never predicted or guaranteed. State tax benefits vary and aren't calculated here. This tool doesn't factor in financial aid, scholarships, or grants. Building college savings should never come at the expense of your own emergency fund or retirement security.
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Know Someone Who Could Use This?
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A parent or grandparent starting a 529 plan for a new baby
A family with more than one child trying to plan for overlapping college years
Anyone wondering if their current college savings are on track
Everything stays on their own device, so there's nothing to sign up for and nothing to lose by trying it. Help them on their journey to financial confidence.