College Cost Calculator | Project Savings & Tuition Gap
Project future college tuition costs based on inflation. Calculate investment growth of your savings and estimate the funding gap with actionable...
Funding Ratio Achieved
34.6%
Total Projected College Cost: $189,545
Savings at Start$57,441
Total Shortfall (Gap)$123,883
Suggested Monthly Adj+$470
Student & Cost Profile
Savings Plan
Projected Tuition Cost vs. Savings Curve
Actionable Financial Guidelines
Shortfall Detected: $123,883To fully fund university tuition without relying on student loans, you need to increase your regular savings rate by +$470/month.
New Target Savings:$670/month
Education Drawdown Ledger
| Year / Timeline | Child Age | Projected Tuition Cost | Deposits Added | Interest Growth | Paid From Savings | Funding Gap | Year-End Balance |
|---|---|---|---|---|---|---|---|
| Accumulation Yr 1 | 5 | $0.00 | +$2,400 | +$377 | $0 | $0 | $7,777 |
| Accumulation Yr 2 | 6 | $0.00 | +$2,400 | +$544 | $0 | $0 | $10,721 |
| Accumulation Yr 3 | 7 | $0.00 | +$2,400 | +$721 | $0 | $0 | $13,842 |
| Accumulation Yr 4 | 8 | $0.00 | +$2,400 | +$908 | $0 | $0 | $17,150 |
| Accumulation Yr 5 | 9 | $0.00 | +$2,400 | +$1,106 | $0 | $0 | $20,656 |
| Accumulation Yr 6 | 10 | $0.00 | +$2,400 | +$1,317 | $0 | $0 | $24,373 |
| Accumulation Yr 7 | 11 | $0.00 | +$2,400 | +$1,540 | $0 | $0 | $28,312 |
| Accumulation Yr 8 | 12 | $0.00 | +$2,400 | +$1,776 | $0 | $0 | $32,488 |
| Accumulation Yr 9 | 13 | $0.00 | +$2,400 | +$2,027 | $0 | $0 | $36,915 |
| Accumulation Yr 10 | 14 | $0.00 | +$2,400 | +$2,292 | $0 | $0 | $41,607 |
| Accumulation Yr 11 | 15 | $0.00 | +$2,400 | +$2,574 | $0 | $0 | $46,581 |
| Accumulation Yr 12 | 16 | $0.00 | +$2,400 | +$2,872 | $0 | $0 | $51,853 |
| Accumulation Yr 13 | 17 | $0.00 | +$2,400 | +$3,188 | $0 | $0 | $57,441 |
| College Year 1 | 18 | $44,305 | +$2,400 | +$866 | $44,305 | $0 | $16,402 |
| College Year 2 | 19 | $46,299 | +$2,400 | +$77 | $16,402 | $29,897 | $2,477 |
| College Year 3 | 20 | $48,382 | +$2,400 | +$77 | $2,477 | $45,905 | $2,477 |
| College Year 4 | 21 | $50,559 | +$2,400 | +$77 | $2,477 | $48,082 | $2,477 |