529 College Savings Calculator
Project a 529 balance, the inflation-adjusted 4-year cost, and the funding gap.
Inputs
How it works
Balance compounds monthly to the start age. College cost grows at the chosen inflation rate. The gap is what's still needed.
Frequently asked questions
Where should I park savings?
Short-term goals: high-yield savings or short CDs. Long-term: a diversified portfolio.
How big should my emergency fund be?
Most planners suggest 3–6 months of essential expenses, more if income is variable.
What's APY?
Annual Percentage Yield — the rate including compounding. Always compare APYs, not APRs.
Are bank accounts safe?
FDIC-insured accounts are protected up to $250,000 per depositor per bank per ownership category.
Should I lock money in a CD?
Only if you don't need it during the term — early withdrawals carry penalties.
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View all savings →Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated January 1970