Tools → College Planning

College Planner

Project your 529 savings against future college costs, and model student loan payoff strategies.

529 Savings Projector

Child's current age8years

10 years until college

Current 529 balance$15,000

Monthly contribution$300

Expected annual return6%

Tuition inflation rate5%

School type

Today's cost: $27,000/year

Projection

Projected 529 balance

$76,455

at college start in 10 years

Estimated 4-year cost

$189,560

inflation-adjusted

Savings gap

$113,105

To close the gap: $938/month additional contribution needed

Consider opening a 529 plan

Most states offer a tax deduction for 529 contributions. Earnings grow tax-free when used for qualified education expenses.

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Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →

College cost projections use historical tuition inflation averages (5% default). Actual costs vary widely by institution. This tool does not account for financial aid, merit scholarships, or work-study. Consult your school's net price calculator for a personalised estimate.