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529 / College Savings Calculator

How much might you or your child have saved when it's time for school?

Saving for college or trade school often starts with a monthly number and a rough timeline. This calculator estimates a future balance using a starting balance, monthly contributions, years until school starts, and an assumed annual return (compounded monthly), whether you are saving for yourself or a child.

Many families use 529 plans or other education accounts; rules vary by state and plan. This page does not model taxes, penalties, financial aid, or investment fees, only simple math to help you think about the shape of a plan.

Your inputs

Current balance, monthly contribution (for you or your child), years until the money is needed, and an assumed annual return (compounded monthly).

1 yr22 yr

Many families use a conservative rate for planning. Set to 0% to ignore growth and see contributions only.

Projected balance & breakdown

Estimated Balance
$77,967
Total Contributions
$55,400
Illustrative Growth
$22,567
Estimated education savings balance $77,967. Contributions $55,400, illustrative growth $22,567.

End Balance

$77,967

Education savings balance over time

Modeled path with steady monthly contributions; the horizontal axis is in years.

Related free tool: Monthly Savings Goal CalculatorSet a savings target, what you already have, and your timeline—see the monthly contribution required and a simple growth chart.

Budget management for everyday households.