SCHOOL PLANNING AND CORE MATH

529 College Savings Calculator

Model a college-savings balance from contributions and an assumed return.

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Change any assumption, then calculate your estimate.

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Enter your values and select Calculate. Your result stays on this device.

How it works

Future value combines the starting balance and end-of-month contributions at the annual return you enter, compounded monthly.

Assumptions

Returns, fees, taxes, inflation, contribution limits, and losses are not modeled unless you adjust the inputs yourself.

Use case

529 calculator NY: a clear planning check

Use your own contribution, time horizon, and return assumption; state-plan benefits, taxes, fees, and eligibility require separate verification.

Explore a college-savings contribution scenario while keeping investment assumptions and plan rules visible.

Source and update

Last reviewed: 2026-08-10

IRS — retirement plans and contribution guidance

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