529 College Savings Calculator

Once you enter your current balance and funding plans, you can use the optimizer to find the best contribution amount. All figures are in today's dollars. Note: this is experimental. Double-check all calculations.

Don't include any contributions YTD.

$15000 ($1250/month)

$50000 (max possible: $270000)


Optimize total contribution amount

Choose your desired probability of success. Higher rates require larger contributions, and run the risk of overfunding, which incurs a 10% penalty.

Total Contributions

$55,000

Projected Outcome

Median case: shortage of $47,840

68% chance of outcome between $157,240 underfunding and $180,355 overfunding

63% chance of underfunding

Median (50th percentile)
50% of outcomes
75% of outcomes

Year-by-Year Breakdown

YearAgeMedian BalancePlanned ContributionMedian Withdrawals
20250$5,000$15000 (1250/mo)$0
20261$21,340$15000 (1250/mo)$0
20272$38,775$15000 (1250/mo)$0
20283$57,378$5000 (417/mo)$0
20294$66,557$0 $0
20305$71,016$0 $0
20316$75,774$0 $0
20327$80,851$0 $0
20338$86,268$0 $0
20349$92,048$0 $0
203510$98,216$0 $0
203611$104,796$0 $0
203712$111,817$0 $0
203813$119,309$0 $0
203914$127,303$0 $0
204015$135,832$0 $0
204116$144,933$0 $0
204217$154,643$0 $0
204318$165,004$0 $47250
204419$128,810$0 $47250
204520$90,190$0 $47250
204621$48,983$0 $47250
204722$5,015$0 $0