## Savings Plan and Future Cost Estimation

 Estimated Annual Cost in 2038 \$112,875 Monthly savings required \$894

How much will it cost to send your child to Pacific Union College in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at \$451,498.16 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of \$893.50 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 \$43,527.00 Years until enrollment 18 Annual Tuition Increase 5% Current Savings \$0.00 After Tax Return on Savings 7% Years of enrollment 4

## Current Savings Shortfall

### College Savings Calculator

Discover how much will you need to start saving now to afford Pacific Union College in the future.

## College Savings Schedule

Month Begin Deposit Withdraw Interest End
1 \$0.00 \$893.50 \$0.00 \$0.00 \$893.50
2 \$893.50 \$893.50 \$0.00 \$5.05 \$1,792.05
3 \$1,792.05 \$893.50 \$0.00 \$10.13 \$2,695.68
4 \$2,695.68 \$893.50 \$0.00 \$15.24 \$3,604.42
5 \$3,604.42 \$893.50 \$0.00 \$20.38 \$4,518.30
6 \$4,518.30 \$893.50 \$0.00 \$25.55 \$5,437.35
7 \$5,437.35 \$893.50 \$0.00 \$30.74 \$6,361.59
8 \$6,361.59 \$893.50 \$0.00 \$35.97 \$7,291.06
9 \$7,291.06 \$893.50 \$0.00 \$41.22 \$8,225.78
10 \$8,225.78 \$893.50 \$0.00 \$46.51 \$9,165.79
11 \$9,165.79 \$893.50 \$0.00 \$51.82 \$10,111.11
12 \$10,111.11 \$893.50 \$0.00 \$57.17 \$11,061.78
13 \$11,061.78 \$893.50 \$0.00 \$62.54 \$12,017.82
14 \$12,017.82 \$893.50 \$0.00 \$67.95 \$12,979.27
15 \$12,979.27 \$893.50 \$0.00 \$73.39 \$13,946.16
16 \$13,946.16 \$893.50 \$0.00 \$78.85 \$14,918.51
17 \$14,918.51 \$893.50 \$0.00 \$84.35 \$15,896.36
18 \$15,896.36 \$893.50 \$0.00 \$89.88 \$16,879.74
19 \$16,879.74 \$893.50 \$0.00 \$95.44 \$17,868.68
20 \$17,868.68 \$893.50 \$0.00 \$101.03 \$18,863.21
21 \$18,863.21 \$893.50 \$0.00 \$106.66 \$19,863.37
22 \$19,863.37 \$893.50 \$0.00 \$112.31 \$20,869.18
23 \$20,869.18 \$893.50 \$0.00 \$118.00 \$21,880.68
24 \$21,880.68 \$893.50 \$0.00 \$123.72 \$22,897.90
25 \$22,897.90 \$893.50 \$0.00 \$129.47 \$23,920.87
26 \$23,920.87 \$893.50 \$0.00 \$135.25 \$24,949.62
27 \$24,949.62 \$893.50 \$0.00 \$141.07 \$25,984.19
28 \$25,984.19 \$893.50 \$0.00 \$146.92 \$27,024.61
29 \$27,024.61 \$893.50 \$0.00 \$152.80 \$28,070.91
30 \$28,070.91 \$893.50 \$0.00 \$158.72 \$29,123.13
31 \$29,123.13 \$893.50 \$0.00 \$164.67 \$30,181.30
32 \$30,181.30 \$893.50 \$0.00 \$170.65 \$31,245.45
33 \$31,245.45 \$893.50 \$0.00 \$176.67 \$32,315.62
34 \$32,315.62 \$893.50 \$0.00 \$182.72 \$33,391.84
35 \$33,391.84 \$893.50 \$0.00 \$188.80 \$34,474.14
36 \$34,474.14 \$893.50 \$0.00 \$194.92 \$35,562.56
37 \$35,562.56 \$893.50 \$0.00 \$201.08 \$36,657.14
38 \$36,657.14 \$893.50 \$0.00 \$207.26 \$37,757.90
39 \$37,757.90 \$893.50 \$0.00 \$213.49 \$38,864.89
40 \$38,864.89 \$893.50 \$0.00 \$219.75 \$39,978.14
41 \$39,978.14 \$893.50 \$0.00 \$226.04 \$41,097.68
42 \$41,097.68 \$893.50 \$0.00 \$232.37 \$42,223.55
43 \$42,223.55 \$893.50 \$0.00 \$238.74 \$43,355.79
44 \$43,355.79 \$893.50 \$0.00 \$245.14 \$44,494.43
45 \$44,494.43 \$893.50 \$0.00 \$251.58 \$45,639.51
46 \$45,639.51 \$893.50 \$0.00 \$258.05 \$46,791.06
47 \$46,791.06 \$893.50 \$0.00 \$264.56 \$47,949.12
48 \$47,949.12 \$893.50 \$0.00 \$271.11 \$49,113.73
49 \$49,113.73 \$893.50 \$0.00 \$277.70 \$50,284.93
50 \$50,284.93 \$893.50 \$0.00 \$284.32 \$51,462.75
51 \$51,462.75 \$893.50 \$0.00 \$290.98 \$52,647.23
52 \$52,647.23 \$893.50 \$0.00 \$297.68 \$53,838.41
53 \$53,838.41 \$893.50 \$0.00 \$304.41 \$55,036.32
54 \$55,036.32 \$893.50 \$0.00 \$311.18 \$56,241.00
55 \$56,241.00 \$893.50 \$0.00 \$317.99 \$57,452.49
56 \$57,452.49 \$893.50 \$0.00 \$324.84 \$58,670.83
57 \$58,670.83 \$893.50 \$0.00 \$331.73 \$59,896.06
58 \$59,896.06 \$893.50 \$0.00 \$338.66 \$61,128.22
59 \$61,128.22 \$893.50 \$0.00 \$345.63 \$62,367.35
60 \$62,367.35 \$893.50 \$0.00 \$352.63 \$63,613.48
61 \$63,613.48 \$893.50 \$0.00 \$359.68 \$64,866.66
62 \$64,866.66 \$893.50 \$0.00 \$366.77 \$66,126.93
63 \$66,126.93 \$893.50 \$0.00 \$373.89 \$67,394.32
64 \$67,394.32 \$893.50 \$0.00 \$381.06 \$68,668.88
65 \$68,668.88 \$893.50 \$0.00 \$388.26 \$69,950.64
66 \$69,950.64 \$893.50 \$0.00 \$395.51 \$71,239.65
67 \$71,239.65 \$893.50 \$0.00 \$402.80 \$72,535.95
68 \$72,535.95 \$893.50 \$0.00 \$410.13 \$73,839.58
69 \$73,839.58 \$893.50 \$0.00 \$417.50 \$75,150.58
70 \$75,150.58 \$893.50 \$0.00 \$424.91 \$76,468.99
71 \$76,468.99 \$893.50 \$0.00 \$432.37 \$77,794.86
72 \$77,794.86 \$893.50 \$0.00 \$439.86 \$79,128.22
73 \$79,128.22 \$893.50 \$0.00 \$447.40 \$80,469.12
74 \$80,469.12 \$893.50 \$0.00 \$454.98 \$81,817.60
75 \$81,817.60 \$893.50 \$0.00 \$462.61 \$83,173.71
76 \$83,173.71 \$893.50 \$0.00 \$470.28 \$84,537.49
77 \$84,537.49 \$893.50 \$0.00 \$477.99 \$85,908.98
78 \$85,908.98 \$893.50 \$0.00 \$485.74 \$87,288.22
79 \$87,288.22 \$893.50 \$0.00 \$493.54 \$88,675.26
80 \$88,675.26 \$893.50 \$0.00 \$501.38 \$90,070.14
81 \$90,070.14 \$893.50 \$0.00 \$509.27 \$91,472.91
82 \$91,472.91 \$893.50 \$0.00 \$517.20 \$92,883.61
83 \$92,883.61 \$893.50 \$0.00 \$525.18 \$94,302.29
84 \$94,302.29 \$893.50 \$0.00 \$533.20 \$95,728.99
85 \$95,728.99 \$893.50 \$0.00 \$541.27 \$97,163.76
86 \$97,163.76 \$893.50 \$0.00 \$549.38 \$98,606.64
87 \$98,606.64 \$893.50 \$0.00 \$557.54 \$100,057.68
88 \$100,057.68 \$893.50 \$0.00 \$565.74 \$101,516.92
89 \$101,516.92 \$893.50 \$0.00 \$573.99 \$102,984.41
90 \$102,984.41 \$893.50 \$0.00 \$582.29 \$104,460.20
91 \$104,460.20 \$893.50 \$0.00 \$590.63 \$105,944.33
92 \$105,944.33 \$893.50 \$0.00 \$599.02 \$107,436.85
93 \$107,436.85 \$893.50 \$0.00 \$607.46 \$108,937.81
94 \$108,937.81 \$893.50 \$0.00 \$615.95 \$110,447.26
95 \$110,447.26 \$893.50 \$0.00 \$624.48 \$111,965.24
96 \$111,965.24 \$893.50 \$0.00 \$633.07 \$113,491.81
97 \$113,491.81 \$893.50 \$0.00 \$641.70 \$115,027.01
98 \$115,027.01 \$893.50 \$0.00 \$650.38 \$116,570.89
99 \$116,570.89 \$893.50 \$0.00 \$659.11 \$118,123.50
100 \$118,123.50 \$893.50 \$0.00 \$667.89 \$119,684.89
101 \$119,684.89 \$893.50 \$0.00 \$676.72 \$121,255.11
102 \$121,255.11 \$893.50 \$0.00 \$685.59 \$122,834.20
103 \$122,834.20 \$893.50 \$0.00 \$694.52 \$124,422.22
104 \$124,422.22 \$893.50 \$0.00 \$703.50 \$126,019.22
105 \$126,019.22 \$893.50 \$0.00 \$712.53 \$127,625.25
106 \$127,625.25 \$893.50 \$0.00 \$721.61 \$129,240.36
107 \$129,240.36 \$893.50 \$0.00 \$730.74 \$130,864.60
108 \$130,864.60 \$893.50 \$0.00 \$739.93 \$132,498.03
109 \$132,498.03 \$893.50 \$0.00 \$749.16 \$134,140.69
110 \$134,140.69 \$893.50 \$0.00 \$758.45 \$135,792.64
111 \$135,792.64 \$893.50 \$0.00 \$767.79 \$137,453.93
112 \$137,453.93 \$893.50 \$0.00 \$777.18 \$139,124.61
113 \$139,124.61 \$893.50 \$0.00 \$786.63 \$140,804.74
114 \$140,804.74 \$893.50 \$0.00 \$796.13 \$142,494.37
115 \$142,494.37 \$893.50 \$0.00 \$805.68 \$144,193.55
116 \$144,193.55 \$893.50 \$0.00 \$815.29 \$145,902.34
117 \$145,902.34 \$893.50 \$0.00 \$824.95 \$147,620.79
118 \$147,620.79 \$893.50 \$0.00 \$834.67 \$149,348.96
119 \$149,348.96 \$893.50 \$0.00 \$844.44 \$151,086.90
120 \$151,086.90 \$893.50 \$0.00 \$854.27 \$152,834.67
121 \$152,834.67 \$893.50 \$0.00 \$864.15 \$154,592.32
122 \$154,592.32 \$893.50 \$0.00 \$874.09 \$156,359.91
123 \$156,359.91 \$893.50 \$0.00 \$884.08 \$158,137.49
124 \$158,137.49 \$893.50 \$0.00 \$894.13 \$159,925.12
125 \$159,925.12 \$893.50 \$0.00 \$904.24 \$161,722.86
126 \$161,722.86 \$893.50 \$0.00 \$914.40 \$163,530.76
127 \$163,530.76 \$893.50 \$0.00 \$924.63 \$165,348.89
128 \$165,348.89 \$893.50 \$0.00 \$934.91 \$167,177.30
129 \$167,177.30 \$893.50 \$0.00 \$945.24 \$169,016.04
130 \$169,016.04 \$893.50 \$0.00 \$955.64 \$170,865.18
131 \$170,865.18 \$893.50 \$0.00 \$966.10 \$172,724.78
132 \$172,724.78 \$893.50 \$0.00 \$976.61 \$174,594.89
133 \$174,594.89 \$893.50 \$0.00 \$987.18 \$176,475.57
134 \$176,475.57 \$893.50 \$0.00 \$997.82 \$178,366.89
135 \$178,366.89 \$893.50 \$0.00 \$1,008.51 \$180,268.90
136 \$180,268.90 \$893.50 \$0.00 \$1,019.27 \$182,181.67
137 \$182,181.67 \$893.50 \$0.00 \$1,030.08 \$184,105.25
138 \$184,105.25 \$893.50 \$0.00 \$1,040.96 \$186,039.71
139 \$186,039.71 \$893.50 \$0.00 \$1,051.90 \$187,985.11
140 \$187,985.11 \$893.50 \$0.00 \$1,062.90 \$189,941.51
141 \$189,941.51 \$893.50 \$0.00 \$1,073.96 \$191,908.97
142 \$191,908.97 \$893.50 \$0.00 \$1,085.08 \$193,887.55
143 \$193,887.55 \$893.50 \$0.00 \$1,096.27 \$195,877.32
144 \$195,877.32 \$893.50 \$0.00 \$1,107.52 \$197,878.34
145 \$197,878.34 \$893.50 \$0.00 \$1,118.83 \$199,890.67
146 \$199,890.67 \$893.50 \$0.00 \$1,130.21 \$201,914.38
147 \$201,914.38 \$893.50 \$0.00 \$1,141.65 \$203,949.53
148 \$203,949.53 \$893.50 \$0.00 \$1,153.16 \$205,996.19
149 \$205,996.19 \$893.50 \$0.00 \$1,164.73 \$208,054.42
150 \$208,054.42 \$893.50 \$0.00 \$1,176.37 \$210,124.29
151 \$210,124.29 \$893.50 \$0.00 \$1,188.07 \$212,205.86
152 \$212,205.86 \$893.50 \$0.00 \$1,199.84 \$214,299.20
153 \$214,299.20 \$893.50 \$0.00 \$1,211.68 \$216,404.38
154 \$216,404.38 \$893.50 \$0.00 \$1,223.58 \$218,521.46
155 \$218,521.46 \$893.50 \$0.00 \$1,235.55 \$220,650.51
156 \$220,650.51 \$893.50 \$0.00 \$1,247.59 \$222,791.60
157 \$222,791.60 \$893.50 \$0.00 \$1,259.70 \$224,944.80
158 \$224,944.80 \$893.50 \$0.00 \$1,271.87 \$227,110.17
159 \$227,110.17 \$893.50 \$0.00 \$1,284.11 \$229,287.78
160 \$229,287.78 \$893.50 \$0.00 \$1,296.43 \$231,477.71
161 \$231,477.71 \$893.50 \$0.00 \$1,308.81 \$233,680.02
162 \$233,680.02 \$893.50 \$0.00 \$1,321.26 \$235,894.78
163 \$235,894.78 \$893.50 \$0.00 \$1,333.78 \$238,122.06
164 \$238,122.06 \$893.50 \$0.00 \$1,346.38 \$240,361.94
165 \$240,361.94 \$893.50 \$0.00 \$1,359.04 \$242,614.48
166 \$242,614.48 \$893.50 \$0.00 \$1,371.78 \$244,879.76
167 \$244,879.76 \$893.50 \$0.00 \$1,384.59 \$247,157.85
168 \$247,157.85 \$893.50 \$0.00 \$1,397.47 \$249,448.82
169 \$249,448.82 \$893.50 \$0.00 \$1,410.42 \$251,752.74
170 \$251,752.74 \$893.50 \$0.00 \$1,423.45 \$254,069.69
171 \$254,069.69 \$893.50 \$0.00 \$1,436.55 \$256,399.74
172 \$256,399.74 \$893.50 \$0.00 \$1,449.72 \$258,742.96
173 \$258,742.96 \$893.50 \$0.00 \$1,462.97 \$261,099.43
174 \$261,099.43 \$893.50 \$0.00 \$1,476.29 \$263,469.22
175 \$263,469.22 \$893.50 \$0.00 \$1,489.69 \$265,852.41
176 \$265,852.41 \$893.50 \$0.00 \$1,503.17 \$268,249.08
177 \$268,249.08 \$893.50 \$0.00 \$1,516.72 \$270,659.30
178 \$270,659.30 \$893.50 \$0.00 \$1,530.35 \$273,083.15
179 \$273,083.15 \$893.50 \$0.00 \$1,544.05 \$275,520.70
180 \$275,520.70 \$893.50 \$0.00 \$1,557.83 \$277,972.03
181 \$277,972.03 \$893.50 \$0.00 \$1,571.69 \$280,437.22
182 \$280,437.22 \$893.50 \$0.00 \$1,585.63 \$282,916.35
183 \$282,916.35 \$893.50 \$0.00 \$1,599.65 \$285,409.50
184 \$285,409.50 \$893.50 \$0.00 \$1,613.75 \$287,916.75
185 \$287,916.75 \$893.50 \$0.00 \$1,627.92 \$290,438.17
186 \$290,438.17 \$893.50 \$0.00 \$1,642.18 \$292,973.85
187 \$292,973.85 \$893.50 \$0.00 \$1,656.52 \$295,523.87
188 \$295,523.87 \$893.50 \$0.00 \$1,670.93 \$298,088.30
189 \$298,088.30 \$893.50 \$0.00 \$1,685.43 \$300,667.23
190 \$300,667.23 \$893.50 \$0.00 \$1,700.02 \$303,260.75
191 \$303,260.75 \$893.50 \$0.00 \$1,714.68 \$305,868.93
192 \$305,868.93 \$893.50 \$0.00 \$1,729.43 \$308,491.86
193 \$308,491.86 \$893.50 \$0.00 \$1,744.26 \$311,129.62
194 \$311,129.62 \$893.50 \$0.00 \$1,759.17 \$313,782.29
195 \$313,782.29 \$893.50 \$0.00 \$1,774.17 \$316,449.96
196 \$316,449.96 \$893.50 \$0.00 \$1,789.25 \$319,132.71
197 \$319,132.71 \$893.50 \$0.00 \$1,804.42 \$321,830.63
198 \$321,830.63 \$893.50 \$0.00 \$1,819.68 \$324,543.81
199 \$324,543.81 \$893.50 \$0.00 \$1,835.02 \$327,272.33
200 \$327,272.33 \$893.50 \$0.00 \$1,850.45 \$330,016.28
201 \$330,016.28 \$893.50 \$0.00 \$1,865.96 \$332,775.74
202 \$332,775.74 \$893.50 \$0.00 \$1,881.56 \$335,550.80
203 \$335,550.80 \$893.50 \$0.00 \$1,897.25 \$338,341.55
204 \$338,341.55 \$893.50 \$0.00 \$1,913.03 \$341,148.08
205 \$341,148.08 \$893.50 \$0.00 \$1,928.90 \$343,970.48
206 \$343,970.48 \$893.50 \$0.00 \$1,944.86 \$346,808.84
207 \$346,808.84 \$893.50 \$0.00 \$1,960.91 \$349,663.25
208 \$349,663.25 \$893.50 \$0.00 \$1,977.05 \$352,533.80
209 \$352,533.80 \$893.50 \$0.00 \$1,993.28 \$355,420.58
210 \$355,420.58 \$893.50 \$0.00 \$2,009.60 \$358,323.68
211 \$358,323.68 \$893.50 \$0.00 \$2,026.01 \$361,243.19
212 \$361,243.19 \$893.50 \$0.00 \$2,042.52 \$364,179.21
213 \$364,179.21 \$893.50 \$0.00 \$2,059.12 \$367,131.83
214 \$367,131.83 \$893.50 \$0.00 \$2,075.82 \$370,101.15
215 \$370,101.15 \$893.50 \$0.00 \$2,092.61 \$373,087.26
216 \$373,087.26 \$893.50 \$0.00 \$2,109.49 \$376,090.25
217 \$376,090.25 \$893.50 \$104,752.92 \$2,126.47 \$274,357.30
218 \$274,357.30 \$893.50 \$0.00 \$1,551.26 \$276,802.06
219 \$276,802.06 \$893.50 \$0.00 \$1,565.08 \$279,260.64
220 \$279,260.64 \$893.50 \$0.00 \$1,578.98 \$281,733.12
221 \$281,733.12 \$893.50 \$0.00 \$1,592.96 \$284,219.58
222 \$284,219.58 \$893.50 \$0.00 \$1,607.02 \$286,720.10
223 \$286,720.10 \$893.50 \$0.00 \$1,621.16 \$289,234.76
224 \$289,234.76 \$893.50 \$0.00 \$1,635.38 \$291,763.64
225 \$291,763.64 \$893.50 \$0.00 \$1,649.67 \$294,306.81
226 \$294,306.81 \$893.50 \$0.00 \$1,664.05 \$296,864.36
227 \$296,864.36 \$893.50 \$0.00 \$1,678.51 \$299,436.37
228 \$299,436.37 \$893.50 \$0.00 \$1,693.06 \$302,022.93
229 \$302,022.93 \$893.50 \$109,990.56 \$1,707.68 \$194,633.55
230 \$194,633.55 \$893.50 \$0.00 \$1,100.49 \$196,627.54
231 \$196,627.54 \$893.50 \$0.00 \$1,111.76 \$198,632.80
232 \$198,632.80 \$893.50 \$0.00 \$1,123.10 \$200,649.40
233 \$200,649.40 \$893.50 \$0.00 \$1,134.50 \$202,677.40
234 \$202,677.40 \$893.50 \$0.00 \$1,145.97 \$204,716.87
235 \$204,716.87 \$893.50 \$0.00 \$1,157.50 \$206,767.87
236 \$206,767.87 \$893.50 \$0.00 \$1,169.10 \$208,830.47
237 \$208,830.47 \$893.50 \$0.00 \$1,180.76 \$210,904.73
238 \$210,904.73 \$893.50 \$0.00 \$1,192.49 \$212,990.72
239 \$212,990.72 \$893.50 \$0.00 \$1,204.28 \$215,088.50
240 \$215,088.50 \$893.50 \$0.00 \$1,216.14 \$217,198.14
241 \$217,198.14 \$893.50 \$115,490.09 \$1,228.07 \$103,829.62
242 \$103,829.62 \$893.50 \$0.00 \$587.07 \$105,310.19
243 \$105,310.19 \$893.50 \$0.00 \$595.44 \$106,799.13
244 \$106,799.13 \$893.50 \$0.00 \$603.86 \$108,296.49
245 \$108,296.49 \$893.50 \$0.00 \$612.32 \$109,802.31
246 \$109,802.31 \$893.50 \$0.00 \$620.84 \$111,316.65
247 \$111,316.65 \$893.50 \$0.00 \$629.40 \$112,839.55
248 \$112,839.55 \$893.50 \$0.00 \$638.01 \$114,371.06
249 \$114,371.06 \$893.50 \$0.00 \$646.67 \$115,911.23
250 \$115,911.23 \$893.50 \$0.00 \$655.38 \$117,460.11
251 \$117,460.11 \$893.50 \$0.00 \$664.14 \$119,017.75
252 \$119,017.75 \$893.50 \$0.00 \$672.94 \$120,584.19
253 \$120,584.19 \$0.00 \$121,264.59 \$681.80 \$1.40