College Savings Calculator

Today's yearly cost is grown by the inflation rate to each college year, then discounted back to the enrollment date, since money for the later years keeps earning while the first years are being paid. College costs have historically risen faster than general inflation, so the default here is deliberately above a typical overall inflation figure — check current published costs for the specific schools you have in mind. Financial aid, scholarships, and tax advantaged accounts like 529 plans are not modeled. This is education only, not personalized financial advice — see our disclosure policy.