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Finance Calculators
529 College Savings Calculator
Project how a 529 college savings plan will grow based on current savings, monthly contributions and investment return.
Projected balance
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Total contributed
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About the 529 College Savings Calculator
A 529 plan is a tax-advantaged account for education savings. Like other investment accounts, its growth comes from compounding your starting balance and monthly contributions over time.
Formula: FV = Current Balance × (1+r)n + Monthly Contribution × [((1+r)n − 1) ÷ r], where r is the monthly return and n is the number of months.
Starting a 529 plan when a child is young gives contributions more time to compound, meaningfully reducing how much you need to save each month to reach a given college fund goal.
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