Interactive savings tool
Free College Cost Calculator — How Much to Save for Your Child's Education
Estimate what four years of college could cost by the time your child enrolls, project how far your 529 can go, and see the monthly savings gap if you want to fully fund the target.
Inputs
Default annual costs are pre-filled at $28,000 for public in-state, $45,000 for public out-of-state, and $60,000 for private college. You can overwrite the annual cost field with your own target.
| School year | Projected annual cost | Inflation multiple |
|---|
What if you increase monthly savings?
| Scenario | Projected 529 at enrollment | Coverage | Remaining gap |
|---|
Need the full 529 planning kit?
Get the 529 College Savings Optimizer for a full monthly target calculator, state-tax benefit guide, glide path notes, FAFSA planning prompts, and rollover rules.
Explore the 529 College Savings OptimizerYour projection
Projected 4-year cost
—
Projected 529 value
—
Monthly savings gap
—
Lump sum needed today
—
0%coverage
On track
Your current 529 plan covers an estimated share of the projected four-year cost.