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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$53,120
Monthly savings required$236

How much will it cost to send your child to Saddleback College in 18 years and how much do you need to save?  A 2 year degree is estimated to be priced at $106,239.48 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $236.08 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$21,534.00
Years until enrollment18
Annual Tuition Increase5%
Current Savings$0.00
After Tax Return on Savings7%
Years of enrollment2

Current Savings Shortfall

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Planned Savings Balance

College Savings Schedule

Month Begin Deposit Withdraw Interest End
1 $0.00 $236.08 $0.00 $0.00 $236.08
2 $236.08 $236.08 $0.00 $1.33 $473.49
3 $473.49 $236.08 $0.00 $2.68 $712.25
4 $712.25 $236.08 $0.00 $4.03 $952.36
5 $952.36 $236.08 $0.00 $5.38 $1,193.82
6 $1,193.82 $236.08 $0.00 $6.75 $1,436.65
7 $1,436.65 $236.08 $0.00 $8.12 $1,680.85
8 $1,680.85 $236.08 $0.00 $9.50 $1,926.43
9 $1,926.43 $236.08 $0.00 $10.89 $2,173.40
10 $2,173.40 $236.08 $0.00 $12.29 $2,421.77
11 $2,421.77 $236.08 $0.00 $13.69 $2,671.54
12 $2,671.54 $236.08 $0.00 $15.11 $2,922.73
13 $2,922.73 $236.08 $0.00 $16.53 $3,175.34
14 $3,175.34 $236.08 $0.00 $17.95 $3,429.37
15 $3,429.37 $236.08 $0.00 $19.39 $3,684.84
16 $3,684.84 $236.08 $0.00 $20.83 $3,941.75
17 $3,941.75 $236.08 $0.00 $22.29 $4,200.12
18 $4,200.12 $236.08 $0.00 $23.75 $4,459.95
19 $4,459.95 $236.08 $0.00 $25.22 $4,721.25
20 $4,721.25 $236.08 $0.00 $26.69 $4,984.02
21 $4,984.02 $236.08 $0.00 $28.18 $5,248.28
22 $5,248.28 $236.08 $0.00 $29.67 $5,514.03
23 $5,514.03 $236.08 $0.00 $31.18 $5,781.29
24 $5,781.29 $236.08 $0.00 $32.69 $6,050.06
25 $6,050.06 $236.08 $0.00 $34.21 $6,320.35
26 $6,320.35 $236.08 $0.00 $35.74 $6,592.17
27 $6,592.17 $236.08 $0.00 $37.27 $6,865.52
28 $6,865.52 $236.08 $0.00 $38.82 $7,140.42
29 $7,140.42 $236.08 $0.00 $40.37 $7,416.87
30 $7,416.87 $236.08 $0.00 $41.94 $7,694.89
31 $7,694.89 $236.08 $0.00 $43.51 $7,974.48
32 $7,974.48 $236.08 $0.00 $45.09 $8,255.65
33 $8,255.65 $236.08 $0.00 $46.68 $8,538.41
34 $8,538.41 $236.08 $0.00 $48.28 $8,822.77
35 $8,822.77 $236.08 $0.00 $49.89 $9,108.74
36 $9,108.74 $236.08 $0.00 $51.50 $9,396.32
37 $9,396.32 $236.08 $0.00 $53.13 $9,685.53
38 $9,685.53 $236.08 $0.00 $54.76 $9,976.37
39 $9,976.37 $236.08 $0.00 $56.41 $10,268.86
40 $10,268.86 $236.08 $0.00 $58.06 $10,563.00
41 $10,563.00 $236.08 $0.00 $59.72 $10,858.80
42 $10,858.80 $236.08 $0.00 $61.40 $11,156.28
43 $11,156.28 $236.08 $0.00 $63.08 $11,455.44
44 $11,455.44 $236.08 $0.00 $64.77 $11,756.29
45 $11,756.29 $236.08 $0.00 $66.47 $12,058.84
46 $12,058.84 $236.08 $0.00 $68.18 $12,363.10
47 $12,363.10 $236.08 $0.00 $69.90 $12,669.08
48 $12,669.08 $236.08 $0.00 $71.63 $12,976.79
49 $12,976.79 $236.08 $0.00 $73.37 $13,286.24
50 $13,286.24 $236.08 $0.00 $75.12 $13,597.44
51 $13,597.44 $236.08 $0.00 $76.88 $13,910.40
52 $13,910.40 $236.08 $0.00 $78.65 $14,225.13
53 $14,225.13 $236.08 $0.00 $80.43 $14,541.64
54 $14,541.64 $236.08 $0.00 $82.22 $14,859.94
55 $14,859.94 $236.08 $0.00 $84.02 $15,180.04
56 $15,180.04 $236.08 $0.00 $85.83 $15,501.95
57 $15,501.95 $236.08 $0.00 $87.65 $15,825.68
58 $15,825.68 $236.08 $0.00 $89.48 $16,151.24
59 $16,151.24 $236.08 $0.00 $91.32 $16,478.64
60 $16,478.64 $236.08 $0.00 $93.17 $16,807.89
61 $16,807.89 $236.08 $0.00 $95.03 $17,139.00
62 $17,139.00 $236.08 $0.00 $96.91 $17,471.99
63 $17,471.99 $236.08 $0.00 $98.79 $17,806.86
64 $17,806.86 $236.08 $0.00 $100.68 $18,143.62
65 $18,143.62 $236.08 $0.00 $102.59 $18,482.29
66 $18,482.29 $236.08 $0.00 $104.50 $18,822.87
67 $18,822.87 $236.08 $0.00 $106.43 $19,165.38
68 $19,165.38 $236.08 $0.00 $108.36 $19,509.82
69 $19,509.82 $236.08 $0.00 $110.31 $19,856.21
70 $19,856.21 $236.08 $0.00 $112.27 $20,204.56
71 $20,204.56 $236.08 $0.00 $114.24 $20,554.88
72 $20,554.88 $236.08 $0.00 $116.22 $20,907.18
73 $20,907.18 $236.08 $0.00 $118.21 $21,261.47
74 $21,261.47 $236.08 $0.00 $120.22 $21,617.77
75 $21,617.77 $236.08 $0.00 $122.23 $21,976.08
76 $21,976.08 $236.08 $0.00 $124.26 $22,336.42
77 $22,336.42 $236.08 $0.00 $126.29 $22,698.79
78 $22,698.79 $236.08 $0.00 $128.34 $23,063.21
79 $23,063.21 $236.08 $0.00 $130.40 $23,429.69
80 $23,429.69 $236.08 $0.00 $132.47 $23,798.24
81 $23,798.24 $236.08 $0.00 $134.56 $24,168.88
82 $24,168.88 $236.08 $0.00 $136.65 $24,541.61
83 $24,541.61 $236.08 $0.00 $138.76 $24,916.45
84 $24,916.45 $236.08 $0.00 $140.88 $25,293.41
85 $25,293.41 $236.08 $0.00 $143.01 $25,672.50
86 $25,672.50 $236.08 $0.00 $145.16 $26,053.74
87 $26,053.74 $236.08 $0.00 $147.31 $26,437.13
88 $26,437.13 $236.08 $0.00 $149.48 $26,822.69
89 $26,822.69 $236.08 $0.00 $151.66 $27,210.43
90 $27,210.43 $236.08 $0.00 $153.85 $27,600.36
91 $27,600.36 $236.08 $0.00 $156.06 $27,992.50
92 $27,992.50 $236.08 $0.00 $158.27 $28,386.85
93 $28,386.85 $236.08 $0.00 $160.50 $28,783.43
94 $28,783.43 $236.08 $0.00 $162.75 $29,182.26
95 $29,182.26 $236.08 $0.00 $165.00 $29,583.34
96 $29,583.34 $236.08 $0.00 $167.27 $29,986.69
97 $29,986.69 $236.08 $0.00 $169.55 $30,392.32
98 $30,392.32 $236.08 $0.00 $171.84 $30,800.24
99 $30,800.24 $236.08 $0.00 $174.15 $31,210.47
100 $31,210.47 $236.08 $0.00 $176.47 $31,623.02
101 $31,623.02 $236.08 $0.00 $178.80 $32,037.90
102 $32,037.90 $236.08 $0.00 $181.15 $32,455.13
103 $32,455.13 $236.08 $0.00 $183.51 $32,874.72
104 $32,874.72 $236.08 $0.00 $185.88 $33,296.68
105 $33,296.68 $236.08 $0.00 $188.26 $33,721.02
106 $33,721.02 $236.08 $0.00 $190.66 $34,147.76
107 $34,147.76 $236.08 $0.00 $193.08 $34,576.92
108 $34,576.92 $236.08 $0.00 $195.50 $35,008.50
109 $35,008.50 $236.08 $0.00 $197.94 $35,442.52
110 $35,442.52 $236.08 $0.00 $200.40 $35,879.00
111 $35,879.00 $236.08 $0.00 $202.87 $36,317.95
112 $36,317.95 $236.08 $0.00 $205.35 $36,759.38
113 $36,759.38 $236.08 $0.00 $207.84 $37,203.30
114 $37,203.30 $236.08 $0.00 $210.35 $37,649.73
115 $37,649.73 $236.08 $0.00 $212.88 $38,098.69
116 $38,098.69 $236.08 $0.00 $215.42 $38,550.19
117 $38,550.19 $236.08 $0.00 $217.97 $39,004.24
118 $39,004.24 $236.08 $0.00 $220.54 $39,460.86
119 $39,460.86 $236.08 $0.00 $223.12 $39,920.06
120 $39,920.06 $236.08 $0.00 $225.71 $40,381.85
121 $40,381.85 $236.08 $0.00 $228.32 $40,846.25
122 $40,846.25 $236.08 $0.00 $230.95 $41,313.28
123 $41,313.28 $236.08 $0.00 $233.59 $41,782.95
124 $41,782.95 $236.08 $0.00 $236.25 $42,255.28
125 $42,255.28 $236.08 $0.00 $238.92 $42,730.28
126 $42,730.28 $236.08 $0.00 $241.60 $43,207.96
127 $43,207.96 $236.08 $0.00 $244.30 $43,688.34
128 $43,688.34 $236.08 $0.00 $247.02 $44,171.44
129 $44,171.44 $236.08 $0.00 $249.75 $44,657.27
130 $44,657.27 $236.08 $0.00 $252.50 $45,145.85
131 $45,145.85 $236.08 $0.00 $255.26 $45,637.19
132 $45,637.19 $236.08 $0.00 $258.04 $46,131.31
133 $46,131.31 $236.08 $0.00 $260.83 $46,628.22
134 $46,628.22 $236.08 $0.00 $263.64 $47,127.94
135 $47,127.94 $236.08 $0.00 $266.47 $47,630.49
136 $47,630.49 $236.08 $0.00 $269.31 $48,135.88
137 $48,135.88 $236.08 $0.00 $272.17 $48,644.13
138 $48,644.13 $236.08 $0.00 $275.04 $49,155.25
139 $49,155.25 $236.08 $0.00 $277.93 $49,669.26
140 $49,669.26 $236.08 $0.00 $280.84 $50,186.18
141 $50,186.18 $236.08 $0.00 $283.76 $50,706.02
142 $50,706.02 $236.08 $0.00 $286.70 $51,228.80
143 $51,228.80 $236.08 $0.00 $289.66 $51,754.54
144 $51,754.54 $236.08 $0.00 $292.63 $52,283.25
145 $52,283.25 $236.08 $0.00 $295.62 $52,814.95
146 $52,814.95 $236.08 $0.00 $298.62 $53,349.65
147 $53,349.65 $236.08 $0.00 $301.65 $53,887.38
148 $53,887.38 $236.08 $0.00 $304.69 $54,428.15
149 $54,428.15 $236.08 $0.00 $307.74 $54,971.97
150 $54,971.97 $236.08 $0.00 $310.82 $55,518.87
151 $55,518.87 $236.08 $0.00 $313.91 $56,068.86
152 $56,068.86 $236.08 $0.00 $317.02 $56,621.96
153 $56,621.96 $236.08 $0.00 $320.15 $57,178.19
154 $57,178.19 $236.08 $0.00 $323.29 $57,737.56
155 $57,737.56 $236.08 $0.00 $326.46 $58,300.10
156 $58,300.10 $236.08 $0.00 $329.64 $58,865.82
157 $58,865.82 $236.08 $0.00 $332.84 $59,434.74
158 $59,434.74 $236.08 $0.00 $336.05 $60,006.87
159 $60,006.87 $236.08 $0.00 $339.29 $60,582.24
160 $60,582.24 $236.08 $0.00 $342.54 $61,160.86
161 $61,160.86 $236.08 $0.00 $345.81 $61,742.75
162 $61,742.75 $236.08 $0.00 $349.10 $62,327.93
163 $62,327.93 $236.08 $0.00 $352.41 $62,916.42
164 $62,916.42 $236.08 $0.00 $355.74 $63,508.24
165 $63,508.24 $236.08 $0.00 $359.08 $64,103.40
166 $64,103.40 $236.08 $0.00 $362.45 $64,701.93
167 $64,701.93 $236.08 $0.00 $365.83 $65,303.84
168 $65,303.84 $236.08 $0.00 $369.24 $65,909.16
169 $65,909.16 $236.08 $0.00 $372.66 $66,517.90
170 $66,517.90 $236.08 $0.00 $376.10 $67,130.08
171 $67,130.08 $236.08 $0.00 $379.56 $67,745.72
172 $67,745.72 $236.08 $0.00 $383.04 $68,364.84
173 $68,364.84 $236.08 $0.00 $386.54 $68,987.46
174 $68,987.46 $236.08 $0.00 $390.07 $69,613.61
175 $69,613.61 $236.08 $0.00 $393.61 $70,243.30
176 $70,243.30 $236.08 $0.00 $397.17 $70,876.55
177 $70,876.55 $236.08 $0.00 $400.75 $71,513.38
178 $71,513.38 $236.08 $0.00 $404.35 $72,153.81
179 $72,153.81 $236.08 $0.00 $407.97 $72,797.86
180 $72,797.86 $236.08 $0.00 $411.61 $73,445.55
181 $73,445.55 $236.08 $0.00 $415.27 $74,096.90
182 $74,096.90 $236.08 $0.00 $418.95 $74,751.93
183 $74,751.93 $236.08 $0.00 $422.66 $75,410.67
184 $75,410.67 $236.08 $0.00 $426.38 $76,073.13
185 $76,073.13 $236.08 $0.00 $430.13 $76,739.34
186 $76,739.34 $236.08 $0.00 $433.90 $77,409.32
187 $77,409.32 $236.08 $0.00 $437.68 $78,083.08
188 $78,083.08 $236.08 $0.00 $441.49 $78,760.65
189 $78,760.65 $236.08 $0.00 $445.32 $79,442.05
190 $79,442.05 $236.08 $0.00 $449.18 $80,127.31
191 $80,127.31 $236.08 $0.00 $453.05 $80,816.44
192 $80,816.44 $236.08 $0.00 $456.95 $81,509.47
193 $81,509.47 $236.08 $0.00 $460.87 $82,206.42
194 $82,206.42 $236.08 $0.00 $464.81 $82,907.31
195 $82,907.31 $236.08 $0.00 $468.77 $83,612.16
196 $83,612.16 $236.08 $0.00 $472.76 $84,321.00
197 $84,321.00 $236.08 $0.00 $476.76 $85,033.84
198 $85,033.84 $236.08 $0.00 $480.79 $85,750.71
199 $85,750.71 $236.08 $0.00 $484.85 $86,471.64
200 $86,471.64 $236.08 $0.00 $488.92 $87,196.64
201 $87,196.64 $236.08 $0.00 $493.02 $87,925.74
202 $87,925.74 $236.08 $0.00 $497.14 $88,658.96
203 $88,658.96 $236.08 $0.00 $501.29 $89,396.33
204 $89,396.33 $236.08 $0.00 $505.46 $90,137.87
205 $90,137.87 $236.08 $0.00 $509.65 $90,883.60
206 $90,883.60 $236.08 $0.00 $513.87 $91,633.55
207 $91,633.55 $236.08 $0.00 $518.11 $92,387.74
208 $92,387.74 $236.08 $0.00 $522.37 $93,146.19
209 $93,146.19 $236.08 $0.00 $526.66 $93,908.93
210 $93,908.93 $236.08 $0.00 $530.97 $94,675.98
211 $94,675.98 $236.08 $0.00 $535.31 $95,447.37
212 $95,447.37 $236.08 $0.00 $539.67 $96,223.12
213 $96,223.12 $236.08 $0.00 $544.06 $97,003.26
214 $97,003.26 $236.08 $0.00 $548.47 $97,787.81
215 $97,787.81 $236.08 $0.00 $552.91 $98,576.80
216 $98,576.80 $236.08 $0.00 $557.37 $99,370.25
217 $99,370.25 $236.08 $51,824.14 $561.85 $48,344.04
218 $48,344.04 $236.08 $0.00 $273.34 $48,853.46
219 $48,853.46 $236.08 $0.00 $276.22 $49,365.76
220 $49,365.76 $236.08 $0.00 $279.12 $49,880.96
221 $49,880.96 $236.08 $0.00 $282.03 $50,399.07
222 $50,399.07 $236.08 $0.00 $284.96 $50,920.11
223 $50,920.11 $236.08 $0.00 $287.91 $51,444.10
224 $51,444.10 $236.08 $0.00 $290.87 $51,971.05
225 $51,971.05 $236.08 $0.00 $293.85 $52,500.98
226 $52,500.98 $236.08 $0.00 $296.85 $53,033.91
227 $53,033.91 $236.08 $0.00 $299.86 $53,569.85
228 $53,569.85 $236.08 $0.00 $302.89 $54,108.82
229 $54,108.82 $0.00 $54,415.35 $305.94 ($0.59)