🎓 College Cost Calculator

See the true 4-year cost of college in today's and future dollars — then find out exactly how much to save each month to be ready, plus the tax advantage of a 529 plan.

✏️
Inputs
$
$
$
yr
$
%
%
📊
Results
Total 4-Year Cost
—
—
Year 1 Total Cost—
Year 4 Cost (inflated)—
Total Gross Cost—
Total Financial Aid (4yr)—
Net 4-Year Cost—
Monthly Savings Needed Now—
Lump Sum Needed Now—
529 Advantage (tax-free growth)—
Future Cost = Current Cost × (1 + Inflation)^Years to Enrollment
Monthly Savings = PV × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]

College tuition has historically inflated at 4–6% per year — more than double the general inflation rate. A public in-state school costing $28,000 today costs $40,000 in 10 years at 4% inflation. Starting a 529 plan at birth gives 18 years of compound growth — significantly reducing the monthly savings burden vs. starting at age 13.