LEVEL 300 · STEP CLIMB

College Savings Calculator

Build a four-year college funding plan across existing savings, monthly cash flow, aid and any remaining gap—without quietly sacrificing retirement.

Build the college funding plan, review the remaining gap, then save. Enter 0 for amounts that do not apply.

1 · College timeline

Student current ageCollege starting ageYears of collegeAnnual college cost in today’s dollarsUse the annual cost before scholarships; education-cost inflation is applied below.

2 · Your funding plan

Current education savingsMonthly contribution before collegeContributions stop at the entered college starting age in this model.Annual household cash flow during collegeThe same annual amount is counted for each college year.Total scholarships or other fundingEnter the total across the whole program, not an annual amount.Retirement trajectoryChoose “Behind or unknown” if college funding may compete with retirement.

3 · Growth assumptions

Annual education-cost inflationExpected annual investment return

Illustrative savings model. College-year cash flow is pooled across the program; the allocation rows do not impose an annual cash-flow cap. Investment growth during college is not modeled. It excludes taxes, plan fees, financial-aid formulas, account ownership effects, changing asset allocation, qualified-expense rules, and coordination with education tax credits.

READY WHEN YOU ARE—

Build the college funding plan, review the remaining gap, then save. Enter 0 for amounts that do not apply.

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