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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$65,673
Monthly savings required$520

How much will it cost to send your child to California State University San Marcos in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $262,691.91 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $519.85 into a 529 or other college savings plan earning and after tax or tax exempt return of 7% will be necessary to achieve this balance.

Assumptions

Current Annual Cost$25,325.00
Years until enrollment18
Annual Tuition Increase5%
Current Savings$0.00
After Tax Return on Savings7%
Years of enrollment4

Current Savings Shortfall

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Planned Savings Balance

College Savings Schedule

Month Begin Deposit Withdraw Interest End
1 $0.00 $519.85 $0.00 $0.00 $519.85
2 $519.85 $519.85 $0.00 $2.94 $1,042.64
3 $1,042.64 $519.85 $0.00 $5.90 $1,568.39
4 $1,568.39 $519.85 $0.00 $8.87 $2,097.11
5 $2,097.11 $519.85 $0.00 $11.86 $2,628.82
6 $2,628.82 $519.85 $0.00 $14.86 $3,163.53
7 $3,163.53 $519.85 $0.00 $17.89 $3,701.27
8 $3,701.27 $519.85 $0.00 $20.93 $4,242.05
9 $4,242.05 $519.85 $0.00 $23.99 $4,785.89
10 $4,785.89 $519.85 $0.00 $27.06 $5,332.80
11 $5,332.80 $519.85 $0.00 $30.15 $5,882.80
12 $5,882.80 $519.85 $0.00 $33.26 $6,435.91
13 $6,435.91 $519.85 $0.00 $36.39 $6,992.15
14 $6,992.15 $519.85 $0.00 $39.53 $7,551.53
15 $7,551.53 $519.85 $0.00 $42.70 $8,114.08
16 $8,114.08 $519.85 $0.00 $45.88 $8,679.81
17 $8,679.81 $519.85 $0.00 $49.08 $9,248.74
18 $9,248.74 $519.85 $0.00 $52.29 $9,820.88
19 $9,820.88 $519.85 $0.00 $55.53 $10,396.26
20 $10,396.26 $519.85 $0.00 $58.78 $10,974.89
21 $10,974.89 $519.85 $0.00 $62.05 $11,556.79
22 $11,556.79 $519.85 $0.00 $65.34 $12,141.98
23 $12,141.98 $519.85 $0.00 $68.65 $12,730.48
24 $12,730.48 $519.85 $0.00 $71.98 $13,322.31
25 $13,322.31 $519.85 $0.00 $75.33 $13,917.49
26 $13,917.49 $519.85 $0.00 $78.69 $14,516.03
27 $14,516.03 $519.85 $0.00 $82.08 $15,117.96
28 $15,117.96 $519.85 $0.00 $85.48 $15,723.29
29 $15,723.29 $519.85 $0.00 $88.90 $16,332.04
30 $16,332.04 $519.85 $0.00 $92.34 $16,944.23
31 $16,944.23 $519.85 $0.00 $95.81 $17,559.89
32 $17,559.89 $519.85 $0.00 $99.29 $18,179.03
33 $18,179.03 $519.85 $0.00 $102.79 $18,801.67
34 $18,801.67 $519.85 $0.00 $106.31 $19,427.83
35 $19,427.83 $519.85 $0.00 $109.85 $20,057.53
36 $20,057.53 $519.85 $0.00 $113.41 $20,690.79
37 $20,690.79 $519.85 $0.00 $116.99 $21,327.63
38 $21,327.63 $519.85 $0.00 $120.59 $21,968.07
39 $21,968.07 $519.85 $0.00 $124.21 $22,612.13
40 $22,612.13 $519.85 $0.00 $127.85 $23,259.83
41 $23,259.83 $519.85 $0.00 $131.51 $23,911.19
42 $23,911.19 $519.85 $0.00 $135.20 $24,566.24
43 $24,566.24 $519.85 $0.00 $138.90 $25,224.99
44 $25,224.99 $519.85 $0.00 $142.63 $25,887.47
45 $25,887.47 $519.85 $0.00 $146.37 $26,553.69
46 $26,553.69 $519.85 $0.00 $150.14 $27,223.68
47 $27,223.68 $519.85 $0.00 $153.93 $27,897.46
48 $27,897.46 $519.85 $0.00 $157.74 $28,575.05
49 $28,575.05 $519.85 $0.00 $161.57 $29,256.47
50 $29,256.47 $519.85 $0.00 $165.42 $29,941.74
51 $29,941.74 $519.85 $0.00 $169.29 $30,630.88
52 $30,630.88 $519.85 $0.00 $173.19 $31,323.92
53 $31,323.92 $519.85 $0.00 $177.11 $32,020.88
54 $32,020.88 $519.85 $0.00 $181.05 $32,721.78
55 $32,721.78 $519.85 $0.00 $185.01 $33,426.64
56 $33,426.64 $519.85 $0.00 $189.00 $34,135.49
57 $34,135.49 $519.85 $0.00 $193.01 $34,848.35
58 $34,848.35 $519.85 $0.00 $197.04 $35,565.24
59 $35,565.24 $519.85 $0.00 $201.09 $36,286.18
60 $36,286.18 $519.85 $0.00 $205.17 $37,011.20
61 $37,011.20 $519.85 $0.00 $209.27 $37,740.32
62 $37,740.32 $519.85 $0.00 $213.39 $38,473.56
63 $38,473.56 $519.85 $0.00 $217.54 $39,210.95
64 $39,210.95 $519.85 $0.00 $221.70 $39,952.50
65 $39,952.50 $519.85 $0.00 $225.90 $40,698.25
66 $40,698.25 $519.85 $0.00 $230.11 $41,448.21
67 $41,448.21 $519.85 $0.00 $234.35 $42,202.41
68 $42,202.41 $519.85 $0.00 $238.62 $42,960.88
69 $42,960.88 $519.85 $0.00 $242.91 $43,723.64
70 $43,723.64 $519.85 $0.00 $247.22 $44,490.71
71 $44,490.71 $519.85 $0.00 $251.56 $45,262.12
72 $45,262.12 $519.85 $0.00 $255.92 $46,037.89
73 $46,037.89 $519.85 $0.00 $260.30 $46,818.04
74 $46,818.04 $519.85 $0.00 $264.72 $47,602.61
75 $47,602.61 $519.85 $0.00 $269.15 $48,391.61
76 $48,391.61 $519.85 $0.00 $273.61 $49,185.07
77 $49,185.07 $519.85 $0.00 $278.10 $49,983.02
78 $49,983.02 $519.85 $0.00 $282.61 $50,785.48
79 $50,785.48 $519.85 $0.00 $287.15 $51,592.48
80 $51,592.48 $519.85 $0.00 $291.71 $52,404.04
81 $52,404.04 $519.85 $0.00 $296.30 $53,220.19
82 $53,220.19 $519.85 $0.00 $300.91 $54,040.95
83 $54,040.95 $519.85 $0.00 $305.56 $54,866.36
84 $54,866.36 $519.85 $0.00 $310.22 $55,696.43
85 $55,696.43 $519.85 $0.00 $314.92 $56,531.20
86 $56,531.20 $519.85 $0.00 $319.64 $57,370.69
87 $57,370.69 $519.85 $0.00 $324.38 $58,214.92
88 $58,214.92 $519.85 $0.00 $329.16 $59,063.93
89 $59,063.93 $519.85 $0.00 $333.96 $59,917.74
90 $59,917.74 $519.85 $0.00 $338.78 $60,776.37
91 $60,776.37 $519.85 $0.00 $343.64 $61,639.86
92 $61,639.86 $519.85 $0.00 $348.52 $62,508.23
93 $62,508.23 $519.85 $0.00 $353.43 $63,381.51
94 $63,381.51 $519.85 $0.00 $358.37 $64,259.73
95 $64,259.73 $519.85 $0.00 $363.33 $65,142.91
96 $65,142.91 $519.85 $0.00 $368.33 $66,031.09
97 $66,031.09 $519.85 $0.00 $373.35 $66,924.29
98 $66,924.29 $519.85 $0.00 $378.40 $67,822.54
99 $67,822.54 $519.85 $0.00 $383.48 $68,725.87
100 $68,725.87 $519.85 $0.00 $388.59 $69,634.31
101 $69,634.31 $519.85 $0.00 $393.72 $70,547.88
102 $70,547.88 $519.85 $0.00 $398.89 $71,466.62
103 $71,466.62 $519.85 $0.00 $404.08 $72,390.55
104 $72,390.55 $519.85 $0.00 $409.31 $73,319.71
105 $73,319.71 $519.85 $0.00 $414.56 $74,254.12
106 $74,254.12 $519.85 $0.00 $419.84 $75,193.81
107 $75,193.81 $519.85 $0.00 $425.16 $76,138.82
108 $76,138.82 $519.85 $0.00 $430.50 $77,089.17
109 $77,089.17 $519.85 $0.00 $435.87 $78,044.89
110 $78,044.89 $519.85 $0.00 $441.28 $79,006.02
111 $79,006.02 $519.85 $0.00 $446.71 $79,972.58
112 $79,972.58 $519.85 $0.00 $452.18 $80,944.61
113 $80,944.61 $519.85 $0.00 $457.67 $81,922.13
114 $81,922.13 $519.85 $0.00 $463.20 $82,905.18
115 $82,905.18 $519.85 $0.00 $468.76 $83,893.79
116 $83,893.79 $519.85 $0.00 $474.35 $84,887.99
117 $84,887.99 $519.85 $0.00 $479.97 $85,887.81
118 $85,887.81 $519.85 $0.00 $485.62 $86,893.28
119 $86,893.28 $519.85 $0.00 $491.31 $87,904.44
120 $87,904.44 $519.85 $0.00 $497.02 $88,921.31
121 $88,921.31 $519.85 $0.00 $502.77 $89,943.93
122 $89,943.93 $519.85 $0.00 $508.56 $90,972.34
123 $90,972.34 $519.85 $0.00 $514.37 $92,006.56
124 $92,006.56 $519.85 $0.00 $520.22 $93,046.63
125 $93,046.63 $519.85 $0.00 $526.10 $94,092.58
126 $94,092.58 $519.85 $0.00 $532.01 $95,144.44
127 $95,144.44 $519.85 $0.00 $537.96 $96,202.25
128 $96,202.25 $519.85 $0.00 $543.94 $97,266.04
129 $97,266.04 $519.85 $0.00 $549.96 $98,335.85
130 $98,335.85 $519.85 $0.00 $556.01 $99,411.71
131 $99,411.71 $519.85 $0.00 $562.09 $100,493.65
132 $100,493.65 $519.85 $0.00 $568.21 $101,581.71
133 $101,581.71 $519.85 $0.00 $574.36 $102,675.92
134 $102,675.92 $519.85 $0.00 $580.54 $103,776.31
135 $103,776.31 $519.85 $0.00 $586.77 $104,882.93
136 $104,882.93 $519.85 $0.00 $593.02 $105,995.80
137 $105,995.80 $519.85 $0.00 $599.32 $107,114.97
138 $107,114.97 $519.85 $0.00 $605.64 $108,240.46
139 $108,240.46 $519.85 $0.00 $612.01 $109,372.32
140 $109,372.32 $519.85 $0.00 $618.41 $110,510.58
141 $110,510.58 $519.85 $0.00 $624.84 $111,655.27
142 $111,655.27 $519.85 $0.00 $631.32 $112,806.44
143 $112,806.44 $519.85 $0.00 $637.82 $113,964.11
144 $113,964.11 $519.85 $0.00 $644.37 $115,128.33
145 $115,128.33 $519.85 $0.00 $650.95 $116,299.13
146 $116,299.13 $519.85 $0.00 $657.57 $117,476.55
147 $117,476.55 $519.85 $0.00 $664.23 $118,660.63
148 $118,660.63 $519.85 $0.00 $670.92 $119,851.40
149 $119,851.40 $519.85 $0.00 $677.66 $121,048.91
150 $121,048.91 $519.85 $0.00 $684.43 $122,253.19
151 $122,253.19 $519.85 $0.00 $691.24 $123,464.28
152 $123,464.28 $519.85 $0.00 $698.08 $124,682.21
153 $124,682.21 $519.85 $0.00 $704.97 $125,907.03
154 $125,907.03 $519.85 $0.00 $711.90 $127,138.78
155 $127,138.78 $519.85 $0.00 $718.86 $128,377.49
156 $128,377.49 $519.85 $0.00 $725.86 $129,623.20
157 $129,623.20 $519.85 $0.00 $732.91 $130,875.96
158 $130,875.96 $519.85 $0.00 $739.99 $132,135.80
159 $132,135.80 $519.85 $0.00 $747.12 $133,402.77
160 $133,402.77 $519.85 $0.00 $754.28 $134,676.90
161 $134,676.90 $519.85 $0.00 $761.48 $135,958.23
162 $135,958.23 $519.85 $0.00 $768.73 $137,246.81
163 $137,246.81 $519.85 $0.00 $776.01 $138,542.67
164 $138,542.67 $519.85 $0.00 $783.34 $139,845.86
165 $139,845.86 $519.85 $0.00 $790.71 $141,156.42
166 $141,156.42 $519.85 $0.00 $798.12 $142,474.39
167 $142,474.39 $519.85 $0.00 $805.57 $143,799.81
168 $143,799.81 $519.85 $0.00 $813.07 $145,132.73
169 $145,132.73 $519.85 $0.00 $820.60 $146,473.18
170 $146,473.18 $519.85 $0.00 $828.18 $147,821.21
171 $147,821.21 $519.85 $0.00 $835.80 $149,176.86
172 $149,176.86 $519.85 $0.00 $843.47 $150,540.18
173 $150,540.18 $519.85 $0.00 $851.18 $151,911.21
174 $151,911.21 $519.85 $0.00 $858.93 $153,289.99
175 $153,289.99 $519.85 $0.00 $866.72 $154,676.56
176 $154,676.56 $519.85 $0.00 $874.56 $156,070.97
177 $156,070.97 $519.85 $0.00 $882.45 $157,473.27
178 $157,473.27 $519.85 $0.00 $890.38 $158,883.50
179 $158,883.50 $519.85 $0.00 $898.35 $160,301.70
180 $160,301.70 $519.85 $0.00 $906.37 $161,727.92
181 $161,727.92 $519.85 $0.00 $914.43 $163,162.20
182 $163,162.20 $519.85 $0.00 $922.54 $164,604.59
183 $164,604.59 $519.85 $0.00 $930.70 $166,055.14
184 $166,055.14 $519.85 $0.00 $938.90 $167,513.89
185 $167,513.89 $519.85 $0.00 $947.15 $168,980.89
186 $168,980.89 $519.85 $0.00 $955.44 $170,456.18
187 $170,456.18 $519.85 $0.00 $963.78 $171,939.81
188 $171,939.81 $519.85 $0.00 $972.17 $173,431.83
189 $173,431.83 $519.85 $0.00 $980.61 $174,932.29
190 $174,932.29 $519.85 $0.00 $989.09 $176,441.23
191 $176,441.23 $519.85 $0.00 $997.62 $177,958.70
192 $177,958.70 $519.85 $0.00 $1,006.20 $179,484.75
193 $179,484.75 $519.85 $0.00 $1,014.83 $181,019.43
194 $181,019.43 $519.85 $0.00 $1,023.51 $182,562.79
195 $182,562.79 $519.85 $0.00 $1,032.24 $184,114.88
196 $184,114.88 $519.85 $0.00 $1,041.01 $185,675.74
197 $185,675.74 $519.85 $0.00 $1,049.84 $187,245.43
198 $187,245.43 $519.85 $0.00 $1,058.71 $188,823.99
199 $188,823.99 $519.85 $0.00 $1,067.64 $190,411.48
200 $190,411.48 $519.85 $0.00 $1,076.61 $192,007.94
201 $192,007.94 $519.85 $0.00 $1,085.64 $193,613.43
202 $193,613.43 $519.85 $0.00 $1,094.72 $195,228.00
203 $195,228.00 $519.85 $0.00 $1,103.85 $196,851.70
204 $196,851.70 $519.85 $0.00 $1,113.03 $198,484.58
205 $198,484.58 $519.85 $0.00 $1,122.26 $200,126.69
206 $200,126.69 $519.85 $0.00 $1,131.55 $201,778.09
207 $201,778.09 $519.85 $0.00 $1,140.88 $203,438.82
208 $203,438.82 $519.85 $0.00 $1,150.27 $205,108.94
209 $205,108.94 $519.85 $0.00 $1,159.72 $206,788.51
210 $206,788.51 $519.85 $0.00 $1,169.21 $208,477.57
211 $208,477.57 $519.85 $0.00 $1,178.76 $210,176.18
212 $210,176.18 $519.85 $0.00 $1,188.37 $211,884.40
213 $211,884.40 $519.85 $0.00 $1,198.03 $213,602.28
214 $213,602.28 $519.85 $0.00 $1,207.74 $215,329.87
215 $215,329.87 $519.85 $0.00 $1,217.51 $217,067.23
216 $217,067.23 $519.85 $0.00 $1,227.33 $218,814.41
217 $218,814.41 $519.85 $60,947.63 $1,237.21 $159,623.84
218 $159,623.84 $519.85 $0.00 $902.54 $161,046.23
219 $161,046.23 $519.85 $0.00 $910.58 $162,476.66
220 $162,476.66 $519.85 $0.00 $918.67 $163,915.18
221 $163,915.18 $519.85 $0.00 $926.80 $165,361.83
222 $165,361.83 $519.85 $0.00 $934.98 $166,816.66
223 $166,816.66 $519.85 $0.00 $943.21 $168,279.72
224 $168,279.72 $519.85 $0.00 $951.48 $169,751.05
225 $169,751.05 $519.85 $0.00 $959.80 $171,230.70
226 $171,230.70 $519.85 $0.00 $968.16 $172,718.71
227 $172,718.71 $519.85 $0.00 $976.58 $174,215.14
228 $174,215.14 $519.85 $0.00 $985.04 $175,720.03
229 $175,720.03 $519.85 $63,995.01 $993.55 $113,238.42
230 $113,238.42 $519.85 $0.00 $640.27 $114,398.54
231 $114,398.54 $519.85 $0.00 $646.83 $115,565.22
232 $115,565.22 $519.85 $0.00 $653.42 $116,738.49
233 $116,738.49 $519.85 $0.00 $660.06 $117,918.40
234 $117,918.40 $519.85 $0.00 $666.73 $119,104.98
235 $119,104.98 $519.85 $0.00 $673.44 $120,298.27
236 $120,298.27 $519.85 $0.00 $680.18 $121,498.30
237 $121,498.30 $519.85 $0.00 $686.97 $122,705.12
238 $122,705.12 $519.85 $0.00 $693.79 $123,918.76
239 $123,918.76 $519.85 $0.00 $700.65 $125,139.26
240 $125,139.26 $519.85 $0.00 $707.56 $126,366.67
241 $126,366.67 $519.85 $67,194.76 $714.50 $60,406.26
242 $60,406.26 $519.85 $0.00 $341.55 $61,267.66
243 $61,267.66 $519.85 $0.00 $346.42 $62,133.93
244 $62,133.93 $519.85 $0.00 $351.31 $63,005.09
245 $63,005.09 $519.85 $0.00 $356.24 $63,881.18
246 $63,881.18 $519.85 $0.00 $361.19 $64,762.22
247 $64,762.22 $519.85 $0.00 $366.18 $65,648.25
248 $65,648.25 $519.85 $0.00 $371.18 $66,539.28
249 $66,539.28 $519.85 $0.00 $376.22 $67,435.35
250 $67,435.35 $519.85 $0.00 $381.29 $68,336.49
251 $68,336.49 $519.85 $0.00 $386.38 $69,242.72
252 $69,242.72 $519.85 $0.00 $391.51 $70,154.08
253 $70,154.08 $0.00 $70,554.50 $396.66 ($3.76)