529 Calculator · 2026

529 College Savings Calculator

A 529 plan is a savings account for education where the growth is not taxed. Enter your child's age and what you save each month to see what college could cost, how much you will have, and whether there is a gap.

Your Details
College is assumed to start at 18.
$
$
Average yearly cost for the 2025-26 school year, including tuition, fees, housing and food.
%
How much the investments grow in an average year. An assumption, not a promise.
%
Used to estimate the tax you avoid. In a regular investment account, growth is taxed at 0% in the 12% bracket and 15% in the brackets above it.
Results
Projected cost of 4 years of college
$0
529 balance when college starts
$0
Shortfall
$0
Monthly saving needed to cover it all
$0
Tax saved vs. a regular account
$0

Estimate only. Savings grow monthly at your expected return and contributions stop when college starts. Each of the 4 college years is priced at that year's higher cost. Tax saved is the federal capital-gains tax you would owe on the same growth in a regular account; state tax breaks are not included.