Free College Savings Calculator. Estimate how much you need to save for your child’s future education expenses with growth, contributions, and inflation adjustments.
Projected College Savings:
| College Type | Average Annual Tuition (USD) | 4-Year Total Cost |
|---|---|---|
| Public In-State | $10,000 | $40,000 |
| Public Out-of-State | $25,000 | $100,000 |
| Private College | $35,000 | $140,000 |
*Values are average estimates. Actual costs may vary depending on college, location, and inflation.
Steps to Use the College Savings Calculator
Enter your current savings.
Input how much you plan to contribute monthly.
Enter the years until your child starts college.
Add the expected annual return (%) of your investment.
Click Calculate to see the projected savings for college expenses.
It provides an estimate based on assumptions of steady returns and regular contributions.
Use a realistic average, typically 5–7% for balanced portfolios.
No, this basic calculator doesn’t adjust for inflation. You can reduce your expected return by ~2–3% to approximate inflation.
Currently, this calculator assumes monthly contributions only.
It depends on the institution, country, and tuition costs. This tool helps estimate your savings growth, not required expenses.
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