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Loading college projection...
Enter your child's age to see future costs
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Future 4yr Tuition
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Future 4yr Cost
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At enrollment
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Monthly Savings
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To hit target
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529 Growth
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Tax-free earnings
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Years Left
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Until enrollment
🎯 The Verdict
Enter your details below.
🎓 Your Plan
Child's age and school type
📊 Savings Scenarios
Start now vs wait
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Tuition Projection
What college will cost when your child enrolls
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The Cost of Waiting
Every year you delay costs you thousands in extra savings
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529 Growth Model
Your contributions + tax-free compound growth
Savings Growth Over Time
Tuition By School Type
Monthly Cost: Start Now vs Wait
Contributions vs Growth
College Savings Report
Vault & Vessel Studio ·
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How To Use
Project future tuition costs and build a monthly savings plan to get there
🚀 Getting Started
1
Enter Child's Age
This determines years until enrollment (age 18). More years = more compound growth working for you.
2
Pick School Type
In-state public (~$25K/yr today), out-of-state (~$45K), private (~$56K), elite (~$65K). Costs inflate 5-7% annually.
3
See Future Cost
Tuition inflated to enrollment year. A $56K/yr private school becomes $95K+/yr in 13 years at 5.5% inflation.
4
Get Monthly Target
How much to save each month in a 529 plan to hit your target. See the cost of waiting even 3 years.
📊 Terms Made Simple
529 Plan: A tax-advantaged savings account specifically for education expenses. Your money grows tax-free, and withdrawals for qualified education expenses are tax-free too. Like a Roth IRA but for college.
Tuition Inflation: College costs have risen 5-7% annually for decades — roughly 2x general inflation. A school that costs $56K/yr today will cost $95K+/yr in 13 years.
Compound Growth: Your 529 contributions earn returns that also earn returns. Starting at age 5 vs age 10 can mean $50-100K more growth on the same monthly contribution.
Cost of Waiting: Every year you delay, you need a higher monthly contribution to hit the same target. Waiting 5 years can double your required monthly savings.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual costs, returns, and inflation may differ. Use as a planning tool, not gospel.