529 College Savings Plan Calculator
Project your 529 education nest egg with tax-free compound growth, factor in tuition inflation, and calculate monthly contributions needed for 4-year universities.
Funding Shortfall. Increase monthly contributions to bridge the projected gap.
Monthly Contribution for 100% Funding: $686 / mês (em vez de $350/mês).
How it works
1
Enter your child's current age and expected college entry age (typically 18).
2
Select target institution type (in-state public, out-of-state, or private university) and tuition inflation rate.
3
Adjust current savings and monthly contributions to see projected 529 balance, % of expenses covered, and required monthly deposit.
Frequently asked questions
What is a 529 college savings plan?
A 529 plan is a tax-advantaged investment account authorized by Section 529 of the US Internal Revenue Code. Earnings grow federal and state tax-free, and withdrawals are entirely tax-exempt when spent on qualified education expenses like tuition, fees, room and board, and books.
What happens if my child doesn't go to college?
You can change the beneficiary to another family member (sibling, yourself), roll over up to $35,000 lifetime into a Roth IRA for the child (under SECURE 2.0 Act rules), or withdraw funds subject to taxes and a 10% penalty on earnings only.
Is this tool free?
Yes. The site is supported by ads, so you never pay or need to create an account.
Does it work on mobile?
Yes. The page adapts to your screen and does not require installing any app.