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College savings and 529 education planning

529 College Savings Calculator

Plan for your child's education with tax-advantaged 529 savings plans. Calculate how much to save and see growth projections with state tax benefits.

Start PlanningRetirement Calculator
$120K
Avg College Cost
5%
Cost Inflation
Tax
Free Growth
18yr
Planning Time

Child & Savings Info

13 years until college (age 18)

$
$

Annual: $3,600

Historical average: 6-8% for age-based portfolios

College Cost Assumptions

$

Public: ~$80K, Private: ~$200K+ (4 years total)

Historical average: 4-6% annually

State Tax Benefits

Savings Projection

Projected 529 Balance

$0

At child's age 18

Future College Cost

$0

Inflated to 18 (in 13 years)

Coverage Analysis

Coverage Percentage

0.0%

Surplus

$0

State Tax Savings

$0

Savings Breakdown

Starting Balance$5,000
Total Contributions$0
Investment Growth$0
Final Balance$0

529 Plan Benefits & Tips

Tax advantages of 529 plans

Tax Advantages

Tax-free growth and withdrawals for qualified education expenses. Many states offer tax deductions too.

Qualified education expenses

Qualified Expenses

Tuition, fees, books, supplies, room & board. Also K-12 tuition up to $10K/year and student loan payments.

Age-based investment options

Investment Strategy

Age-based portfolios automatically become more conservative as college approaches. Start aggressive, end safe.

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Why Trust Our Tools?

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Content reviewed and updated: January 2026Data stored locally - we never access your information

Professional-Grade Financial Calculators

Our financial calculators are built by professionals with over a decade of experience in real estate investing, mortgage lending, and financial planning. Unlike generic online calculators, our tools use the same formulas and methodologies trusted by banks, lenders, and financial advisors.

Why Our Calculators Are Different

  • Bank-Grade Accuracy: We use the exact same amortization schedules, compound interest formulas, and tax calculations that financial institutions rely on.
  • Real-World Tested: These calculators have been used in actual loan applications, investment analyses, and financial planning sessions.
  • Privacy First: All calculations happen in your browser. We never store, transmit, or access your financial data.
  • No Hidden Upsells: Free means free. Use our calculators unlimited times with no registration required.

How to Use These Calculators Effectively

For the most accurate results, gather your financial documents before starting. Having your current account balances, interest rates, and income figures handy will help you get realistic projections. Remember that these calculators provide estimates—for major financial decisions, always consult with a qualified financial advisor or CPA.