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College Cost Calculator
Plan and save for your child's college education with inflation-adjusted projections
Future College Cost
$225,941
4-year total
Projected Savings
$343,903
By college start
Funding Gap
$0
Additional funding needed
Years to Save
13
Until college starts
Child & College Details
Public In-State
State university with in-state tuition rates
First Year Cost (Future): $52,421
• Tuition & Fees: $21,798
• Room & Board: $24,419
• Books & Supplies: $2,338
• Personal Expenses: $3,866
Savings Plan
529 Education Savings Plan
529 Plan Projection: $156,992
Savings Projection
Current Savings Growth: $60,246
Monthly Savings Growth: $126,665
529 Plan Growth: $156,992
Total Projected: $343,903
Financial Aid & Funding
Funding Breakdown
Total Cost: $225,941
Savings: $225,941
Scholarships: $20,000
Work-Study: $12,000
Parent Loans: $0
Student Loans: $0
✅ On Track!
Your current savings plan will cover the projected college costs.
Year-by-Year College Costs
| College Year | Annual Cost | Cumulative Cost | Child Age |
|---|---|---|---|
| Year 1 | $52,421 | $52,421 | 18 |
| Year 2 | $55,042 | $107,463 | 19 |
| Year 3 | $57,794 | $165,257 | 20 |
| Year 4 | $60,684 | $225,941 | 21 |
Savings Milestones
| Year | Child Age | Total Saved | % of Goal | Status |
|---|---|---|---|---|
| 2026 | 6 | $32,946 | 14.6% | ✓ On Track |
| 2027 | 7 | $41,463 | 18.4% | ✓ On Track |
| 2028 | 8 | $50,591 | 22.4% | ⚠ Behind |
| 2029 | 9 | $60,375 | 26.7% | ⚠ Behind |
| 2030 | 10 | $70,860 | 31.4% | ⚠ Behind |
| 2031 | 11 | $82,099 | 36.3% | ⚠ Behind |
| 2032 | 12 | $94,144 | 41.7% | ⚠ Behind |
| 2033 | 13 | $107,054 | 47.4% | ⚠ Behind |
| 2034 | 14 | $120,891 | 53.5% | ⚠ Behind |
| 2035 | 15 | $135,721 | 60.1% | ⚠ Behind |
College Savings Tips
529 Plan Benefits
- • Tax-free growth and withdrawals for education
- • State tax deductions in many states
- • High contribution limits
- • Flexible beneficiary changes
- • Can be used for K-12 tuition (up to $10k/year)
Cost-Saving Strategies
- • Start with community college (2+2 programs)
- • Apply for merit-based scholarships early
- • Consider in-state public universities
- • Take AP/dual enrollment courses in high school
- • Look into work-study programs