529 Plan Growth Calculator
Use this calculator to project the future value of a 529 college savings plan given your starting balance, monthly contributions, expected annual return, and the number of years until funds are needed.
About this calculator
Estimate how your 529 college savings plan could grow over time based on current balance, monthly contributions, expected return, and years until college.
Frequently Asked Questions
How accurate is this projection?
This is an estimate based on a constant assumed rate of return. Actual market performance will vary year to year, so treat this as a planning tool rather than a guarantee.
Does this account for taxes?
529 plan growth used for qualified education expenses is generally tax-free at the federal level, so this calculator assumes no tax drag on growth.
Should I include financial aid in this estimate?
No, this calculator only projects your savings growth. Financial aid, scholarships, and grants would reduce the amount you need to withdraw from the plan.