529 College Savings Calculator
529 plans offer tax-advantaged college savings — growth is federal tax-free when used for qualified education expenses. Model how consistent contributions build an education fund by enrollment year.
Educational estimate. Calculator results are for planning and information only, not financial, tax, medical, legal, or engineering advice. Verify important decisions with official sources or a qualified professional.
529 College Savings Calculator
Education Fund Growth Projection
📐 Formula & Method
529 Future Value
Monthly contributions compounded to enrollment year (annuity-due).
Inflated College Cost
Rough four-year total at enrollment using college inflation.
📋 How to Use
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1
Enter current 529 balance and monthly contribution.
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2
Set years until college and expected return.
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3
Optionally enter today's college cost for gap analysis.
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4
Click Calculate.
🔬 Methodology & Accuracy
Formula: Projects 529 balance with monthly compounding and compares to inflation-adjusted four-year college cost estimate.
Data sources: SEC 529 plan guide: https://www.sec.gov/investor/pubs/intro529.htm
Last reviewed: June 2026 · General formula used: 529 Future Value · Accuracy: Results are precise to two decimal places using IEEE-754 double-precision arithmetic. Intended for educational and planning use only.
For informational purposes only. Results are estimates based on the inputs and formulas provided. For financial, tax, medical, or legal decisions, consult a qualified professional. Rates and regulations change — always verify current figures with official sources.