529 Plan Calculator
College Savings Planner
See if your 529 plan is on track to cover college costs — and what to adjust if it's not.
Your Situation
13 years until college
Action needed
At this rate, you'll cover less than half the cost. Time to ramp up savings or explore scholarships.
Projected 529 Balance
$100,777
When they turn 18 (13 years)
Total College Cost (4 years)
$211,193
$52,798/year (5% inflation)
Coverage
$48%
of total college costs covered
Shortfall
-$110,416
Additional savings needed
How You Get There
Age-based allocation: Returns assume aggressive (70% stocks) portfolio based on your child's age. Most 529 plans automatically shift to safer investments as college approaches.
How to Close the Gap
Increase monthly contribution by $472 to fully cover costs
Start applying for scholarships early — even $5K/year makes a big difference
Consider 2 years at community college before transferring to save ~$50K
Grandparents and family can contribute directly to the 529 plan