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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$173,670
Monthly savings required$1,375

How much will it cost to send your child to University of the Pacific in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $694,678.78 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $1,374.74 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$66,971.00
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 $1,374.74 $0.00 $0.00 $1,374.74
2 $1,374.74 $1,374.74 $0.00 $7.77 $2,757.25
3 $2,757.25 $1,374.74 $0.00 $15.59 $4,147.58
4 $4,147.58 $1,374.74 $0.00 $23.45 $5,545.77
5 $5,545.77 $1,374.74 $0.00 $31.36 $6,951.87
6 $6,951.87 $1,374.74 $0.00 $39.31 $8,365.92
7 $8,365.92 $1,374.74 $0.00 $47.30 $9,787.96
8 $9,787.96 $1,374.74 $0.00 $55.34 $11,218.04
9 $11,218.04 $1,374.74 $0.00 $63.43 $12,656.21
10 $12,656.21 $1,374.74 $0.00 $71.56 $14,102.51
11 $14,102.51 $1,374.74 $0.00 $79.74 $15,556.99
12 $15,556.99 $1,374.74 $0.00 $87.96 $17,019.69
13 $17,019.69 $1,374.74 $0.00 $96.23 $18,490.66
14 $18,490.66 $1,374.74 $0.00 $104.55 $19,969.95
15 $19,969.95 $1,374.74 $0.00 $112.91 $21,457.60
16 $21,457.60 $1,374.74 $0.00 $121.32 $22,953.66
17 $22,953.66 $1,374.74 $0.00 $129.78 $24,458.18
18 $24,458.18 $1,374.74 $0.00 $138.29 $25,971.21
19 $25,971.21 $1,374.74 $0.00 $146.84 $27,492.79
20 $27,492.79 $1,374.74 $0.00 $155.45 $29,022.98
21 $29,022.98 $1,374.74 $0.00 $164.10 $30,561.82
22 $30,561.82 $1,374.74 $0.00 $172.80 $32,109.36
23 $32,109.36 $1,374.74 $0.00 $181.55 $33,665.65
24 $33,665.65 $1,374.74 $0.00 $190.35 $35,230.74
25 $35,230.74 $1,374.74 $0.00 $199.20 $36,804.68
26 $36,804.68 $1,374.74 $0.00 $208.10 $38,387.52
27 $38,387.52 $1,374.74 $0.00 $217.05 $39,979.31
28 $39,979.31 $1,374.74 $0.00 $226.05 $41,580.10
29 $41,580.10 $1,374.74 $0.00 $235.10 $43,189.94
30 $43,189.94 $1,374.74 $0.00 $244.20 $44,808.88
31 $44,808.88 $1,374.74 $0.00 $253.36 $46,436.98
32 $46,436.98 $1,374.74 $0.00 $262.56 $48,074.28
33 $48,074.28 $1,374.74 $0.00 $271.82 $49,720.84
34 $49,720.84 $1,374.74 $0.00 $281.13 $51,376.71
35 $51,376.71 $1,374.74 $0.00 $290.49 $53,041.94
36 $53,041.94 $1,374.74 $0.00 $299.91 $54,716.59
37 $54,716.59 $1,374.74 $0.00 $309.38 $56,400.71
38 $56,400.71 $1,374.74 $0.00 $318.90 $58,094.35
39 $58,094.35 $1,374.74 $0.00 $328.47 $59,797.56
40 $59,797.56 $1,374.74 $0.00 $338.10 $61,510.40
41 $61,510.40 $1,374.74 $0.00 $347.79 $63,232.93
42 $63,232.93 $1,374.74 $0.00 $357.53 $64,965.20
43 $64,965.20 $1,374.74 $0.00 $367.32 $66,707.26
44 $66,707.26 $1,374.74 $0.00 $377.17 $68,459.17
45 $68,459.17 $1,374.74 $0.00 $387.08 $70,220.99
46 $70,220.99 $1,374.74 $0.00 $397.04 $71,992.77
47 $71,992.77 $1,374.74 $0.00 $407.06 $73,774.57
48 $73,774.57 $1,374.74 $0.00 $417.13 $75,566.44
49 $75,566.44 $1,374.74 $0.00 $427.26 $77,368.44
50 $77,368.44 $1,374.74 $0.00 $437.45 $79,180.63
51 $79,180.63 $1,374.74 $0.00 $447.70 $81,003.07
52 $81,003.07 $1,374.74 $0.00 $458.00 $82,835.81
53 $82,835.81 $1,374.74 $0.00 $468.37 $84,678.92
54 $84,678.92 $1,374.74 $0.00 $478.79 $86,532.45
55 $86,532.45 $1,374.74 $0.00 $489.27 $88,396.46
56 $88,396.46 $1,374.74 $0.00 $499.81 $90,271.01
57 $90,271.01 $1,374.74 $0.00 $510.41 $92,156.16
58 $92,156.16 $1,374.74 $0.00 $521.06 $94,051.96
59 $94,051.96 $1,374.74 $0.00 $531.78 $95,958.48
60 $95,958.48 $1,374.74 $0.00 $542.56 $97,875.78
61 $97,875.78 $1,374.74 $0.00 $553.40 $99,803.92
62 $99,803.92 $1,374.74 $0.00 $564.31 $101,742.97
63 $101,742.97 $1,374.74 $0.00 $575.27 $103,692.98
64 $103,692.98 $1,374.74 $0.00 $586.30 $105,654.02
65 $105,654.02 $1,374.74 $0.00 $597.38 $107,626.14
66 $107,626.14 $1,374.74 $0.00 $608.53 $109,609.41
67 $109,609.41 $1,374.74 $0.00 $619.75 $111,603.90
68 $111,603.90 $1,374.74 $0.00 $631.02 $113,609.66
69 $113,609.66 $1,374.74 $0.00 $642.37 $115,626.77
70 $115,626.77 $1,374.74 $0.00 $653.77 $117,655.28
71 $117,655.28 $1,374.74 $0.00 $665.24 $119,695.26
72 $119,695.26 $1,374.74 $0.00 $676.77 $121,746.77
73 $121,746.77 $1,374.74 $0.00 $688.37 $123,809.88
74 $123,809.88 $1,374.74 $0.00 $700.04 $125,884.66
75 $125,884.66 $1,374.74 $0.00 $711.77 $127,971.17
76 $127,971.17 $1,374.74 $0.00 $723.57 $130,069.48
77 $130,069.48 $1,374.74 $0.00 $735.43 $132,179.65
78 $132,179.65 $1,374.74 $0.00 $747.36 $134,301.75
79 $134,301.75 $1,374.74 $0.00 $759.36 $136,435.85
80 $136,435.85 $1,374.74 $0.00 $771.43 $138,582.02
81 $138,582.02 $1,374.74 $0.00 $783.56 $140,740.32
82 $140,740.32 $1,374.74 $0.00 $795.77 $142,910.83
83 $142,910.83 $1,374.74 $0.00 $808.04 $145,093.61
84 $145,093.61 $1,374.74 $0.00 $820.38 $147,288.73
85 $147,288.73 $1,374.74 $0.00 $832.79 $149,496.26
86 $149,496.26 $1,374.74 $0.00 $845.27 $151,716.27
87 $151,716.27 $1,374.74 $0.00 $857.83 $153,948.84
88 $153,948.84 $1,374.74 $0.00 $870.45 $156,194.03
89 $156,194.03 $1,374.74 $0.00 $883.14 $158,451.91
90 $158,451.91 $1,374.74 $0.00 $895.91 $160,722.56
91 $160,722.56 $1,374.74 $0.00 $908.75 $163,006.05
92 $163,006.05 $1,374.74 $0.00 $921.66 $165,302.45
93 $165,302.45 $1,374.74 $0.00 $934.64 $167,611.83
94 $167,611.83 $1,374.74 $0.00 $947.70 $169,934.27
95 $169,934.27 $1,374.74 $0.00 $960.83 $172,269.84
96 $172,269.84 $1,374.74 $0.00 $974.04 $174,618.62
97 $174,618.62 $1,374.74 $0.00 $987.32 $176,980.68
98 $176,980.68 $1,374.74 $0.00 $1,000.67 $179,356.09
99 $179,356.09 $1,374.74 $0.00 $1,014.11 $181,744.94
100 $181,744.94 $1,374.74 $0.00 $1,027.61 $184,147.29
101 $184,147.29 $1,374.74 $0.00 $1,041.20 $186,563.23
102 $186,563.23 $1,374.74 $0.00 $1,054.86 $188,992.83
103 $188,992.83 $1,374.74 $0.00 $1,068.59 $191,436.16
104 $191,436.16 $1,374.74 $0.00 $1,082.41 $193,893.31
105 $193,893.31 $1,374.74 $0.00 $1,096.30 $196,364.35
106 $196,364.35 $1,374.74 $0.00 $1,110.27 $198,849.36
107 $198,849.36 $1,374.74 $0.00 $1,124.32 $201,348.42
108 $201,348.42 $1,374.74 $0.00 $1,138.45 $203,861.61
109 $203,861.61 $1,374.74 $0.00 $1,152.66 $206,389.01
110 $206,389.01 $1,374.74 $0.00 $1,166.95 $208,930.70
111 $208,930.70 $1,374.74 $0.00 $1,181.32 $211,486.76
112 $211,486.76 $1,374.74 $0.00 $1,195.78 $214,057.28
113 $214,057.28 $1,374.74 $0.00 $1,210.31 $216,642.33
114 $216,642.33 $1,374.74 $0.00 $1,224.93 $219,242.00
115 $219,242.00 $1,374.74 $0.00 $1,239.63 $221,856.37
116 $221,856.37 $1,374.74 $0.00 $1,254.41 $224,485.52
117 $224,485.52 $1,374.74 $0.00 $1,269.27 $227,129.53
118 $227,129.53 $1,374.74 $0.00 $1,284.22 $229,788.49
119 $229,788.49 $1,374.74 $0.00 $1,299.26 $232,462.49
120 $232,462.49 $1,374.74 $0.00 $1,314.38 $235,151.61
121 $235,151.61 $1,374.74 $0.00 $1,329.58 $237,855.93
122 $237,855.93 $1,374.74 $0.00 $1,344.87 $240,575.54
123 $240,575.54 $1,374.74 $0.00 $1,360.25 $243,310.53
124 $243,310.53 $1,374.74 $0.00 $1,375.71 $246,060.98
125 $246,060.98 $1,374.74 $0.00 $1,391.26 $248,826.98
126 $248,826.98 $1,374.74 $0.00 $1,406.90 $251,608.62
127 $251,608.62 $1,374.74 $0.00 $1,422.63 $254,405.99
128 $254,405.99 $1,374.74 $0.00 $1,438.45 $257,219.18
129 $257,219.18 $1,374.74 $0.00 $1,454.35 $260,048.27
130 $260,048.27 $1,374.74 $0.00 $1,470.35 $262,893.36
131 $262,893.36 $1,374.74 $0.00 $1,486.44 $265,754.54
132 $265,754.54 $1,374.74 $0.00 $1,502.61 $268,631.89
133 $268,631.89 $1,374.74 $0.00 $1,518.88 $271,525.51
134 $271,525.51 $1,374.74 $0.00 $1,535.24 $274,435.49
135 $274,435.49 $1,374.74 $0.00 $1,551.70 $277,361.93
136 $277,361.93 $1,374.74 $0.00 $1,568.24 $280,304.91
137 $280,304.91 $1,374.74 $0.00 $1,584.88 $283,264.53
138 $283,264.53 $1,374.74 $0.00 $1,601.62 $286,240.89
139 $286,240.89 $1,374.74 $0.00 $1,618.45 $289,234.08
140 $289,234.08 $1,374.74 $0.00 $1,635.37 $292,244.19
141 $292,244.19 $1,374.74 $0.00 $1,652.39 $295,271.32
142 $295,271.32 $1,374.74 $0.00 $1,669.51 $298,315.57
143 $298,315.57 $1,374.74 $0.00 $1,686.72 $301,377.03
144 $301,377.03 $1,374.74 $0.00 $1,704.03 $304,455.80
145 $304,455.80 $1,374.74 $0.00 $1,721.44 $307,551.98
146 $307,551.98 $1,374.74 $0.00 $1,738.94 $310,665.66
147 $310,665.66 $1,374.74 $0.00 $1,756.55 $313,796.95
148 $313,796.95 $1,374.74 $0.00 $1,774.25 $316,945.94
149 $316,945.94 $1,374.74 $0.00 $1,792.06 $320,112.74
150 $320,112.74 $1,374.74 $0.00 $1,809.96 $323,297.44
151 $323,297.44 $1,374.74 $0.00 $1,827.97 $326,500.15
152 $326,500.15 $1,374.74 $0.00 $1,846.08 $329,720.97
153 $329,720.97 $1,374.74 $0.00 $1,864.29 $332,960.00
154 $332,960.00 $1,374.74 $0.00 $1,882.60 $336,217.34
155 $336,217.34 $1,374.74 $0.00 $1,901.02 $339,493.10
156 $339,493.10 $1,374.74 $0.00 $1,919.54 $342,787.38
157 $342,787.38 $1,374.74 $0.00 $1,938.17 $346,100.29
158 $346,100.29 $1,374.74 $0.00 $1,956.90 $349,431.93
159 $349,431.93 $1,374.74 $0.00 $1,975.74 $352,782.41
160 $352,782.41 $1,374.74 $0.00 $1,994.68 $356,151.83
161 $356,151.83 $1,374.74 $0.00 $2,013.73 $359,540.30
162 $359,540.30 $1,374.74 $0.00 $2,032.89 $362,947.93
163 $362,947.93 $1,374.74 $0.00 $2,052.16 $366,374.83
164 $366,374.83 $1,374.74 $0.00 $2,071.54 $369,821.11
165 $369,821.11 $1,374.74 $0.00 $2,091.02 $373,286.87
166 $373,286.87 $1,374.74 $0.00 $2,110.62 $376,772.23
167 $376,772.23 $1,374.74 $0.00 $2,130.32 $380,277.29
168 $380,277.29 $1,374.74 $0.00 $2,150.14 $383,802.17
169 $383,802.17 $1,374.74 $0.00 $2,170.07 $387,346.98
170 $387,346.98 $1,374.74 $0.00 $2,190.12 $390,911.84
171 $390,911.84 $1,374.74 $0.00 $2,210.27 $394,496.85
172 $394,496.85 $1,374.74 $0.00 $2,230.54 $398,102.13
173 $398,102.13 $1,374.74 $0.00 $2,250.93 $401,727.80
174 $401,727.80 $1,374.74 $0.00 $2,271.43 $405,373.97
175 $405,373.97 $1,374.74 $0.00 $2,292.04 $409,040.75
176 $409,040.75 $1,374.74 $0.00 $2,312.78 $412,728.27
177 $412,728.27 $1,374.74 $0.00 $2,333.63 $416,436.64
178 $416,436.64 $1,374.74 $0.00 $2,354.59 $420,165.97
179 $420,165.97 $1,374.74 $0.00 $2,375.68 $423,916.39
180 $423,916.39 $1,374.74 $0.00 $2,396.88 $427,688.01
181 $427,688.01 $1,374.74 $0.00 $2,418.21 $431,480.96
182 $431,480.96 $1,374.74 $0.00 $2,439.66 $435,295.36
183 $435,295.36 $1,374.74 $0.00 $2,461.22 $439,131.32
184 $439,131.32 $1,374.74 $0.00 $2,482.91 $442,988.97
185 $442,988.97 $1,374.74 $0.00 $2,504.72 $446,868.43
186 $446,868.43 $1,374.74 $0.00 $2,526.66 $450,769.83
187 $450,769.83 $1,374.74 $0.00 $2,548.72 $454,693.29
188 $454,693.29 $1,374.74 $0.00 $2,570.90 $458,638.93
189 $458,638.93 $1,374.74 $0.00 $2,593.21 $462,606.88
190 $462,606.88 $1,374.74 $0.00 $2,615.65 $466,597.27
191 $466,597.27 $1,374.74 $0.00 $2,638.21 $470,610.22
192 $470,610.22 $1,374.74 $0.00 $2,660.90 $474,645.86
193 $474,645.86 $1,374.74 $0.00 $2,683.72 $478,704.32
194 $478,704.32 $1,374.74 $0.00 $2,706.66 $482,785.72
195 $482,785.72 $1,374.74 $0.00 $2,729.74 $486,890.20
196 $486,890.20 $1,374.74 $0.00 $2,752.95 $491,017.89
197 $491,017.89 $1,374.74 $0.00 $2,776.29 $495,168.92
198 $495,168.92 $1,374.74 $0.00 $2,799.76 $499,343.42
199 $499,343.42 $1,374.74 $0.00 $2,823.36 $503,541.52
200 $503,541.52 $1,374.74 $0.00 $2,847.10 $507,763.36
201 $507,763.36 $1,374.74 $0.00 $2,870.97 $512,009.07
202 $512,009.07 $1,374.74 $0.00 $2,894.97 $516,278.78
203 $516,278.78 $1,374.74 $0.00 $2,919.12 $520,572.64
204 $520,572.64 $1,374.74 $0.00 $2,943.39 $524,890.77
205 $524,890.77 $1,374.74 $0.00 $2,967.81 $529,233.32
206 $529,233.32 $1,374.74 $0.00 $2,992.36 $533,600.42
207 $533,600.42 $1,374.74 $0.00 $3,017.05 $537,992.21
208 $537,992.21 $1,374.74 $0.00 $3,041.89 $542,408.84
209 $542,408.84 $1,374.74 $0.00 $3,066.86 $546,850.44
210 $546,850.44 $1,374.74 $0.00 $3,091.97 $551,317.15
211 $551,317.15 $1,374.74 $0.00 $3,117.23 $555,809.12
212 $555,809.12 $1,374.74 $0.00 $3,142.63 $560,326.49
213 $560,326.49 $1,374.74 $0.00 $3,168.17 $564,869.40
214 $564,869.40 $1,374.74 $0.00 $3,193.85 $569,437.99
215 $569,437.99 $1,374.74 $0.00 $3,219.69 $574,032.42
216 $574,032.42 $1,374.74 $0.00 $3,245.66 $578,652.82
217 $578,652.82 $1,374.74 $161,173.70 $3,271.79 $422,125.65
218 $422,125.65 $1,374.74 $0.00 $2,386.76 $425,887.15
219 $425,887.15 $1,374.74 $0.00 $2,408.03 $429,669.92
220 $429,669.92 $1,374.74 $0.00 $2,429.42 $433,474.08
221 $433,474.08 $1,374.74 $0.00 $2,450.93 $437,299.75
222 $437,299.75 $1,374.74 $0.00 $2,472.56 $441,147.05
223 $441,147.05 $1,374.74 $0.00 $2,494.31 $445,016.10
224 $445,016.10 $1,374.74 $0.00 $2,516.19 $448,907.03
225 $448,907.03 $1,374.74 $0.00 $2,538.19 $452,819.96
226 $452,819.96 $1,374.74 $0.00 $2,560.31 $456,755.01
227 $456,755.01 $1,374.74 $0.00 $2,582.56 $460,712.31
228 $460,712.31 $1,374.74 $0.00 $2,604.93 $464,691.98
229 $464,691.98 $1,374.74 $169,232.38 $2,627.44 $299,461.78
230 $299,461.78 $1,374.74 $0.00 $1,693.20 $302,529.72
231 $302,529.72 $1,374.74 $0.00 $1,710.55 $305,615.01
232 $305,615.01 $1,374.74 $0.00 $1,727.99 $308,717.74
233 $308,717.74 $1,374.74 $0.00 $1,745.53 $311,838.01
234 $311,838.01 $1,374.74 $0.00 $1,763.18 $314,975.93
235 $314,975.93 $1,374.74 $0.00 $1,780.92 $318,131.59
236 $318,131.59 $1,374.74 $0.00 $1,798.76 $321,305.09
237 $321,305.09 $1,374.74 $0.00 $1,816.71 $324,496.54
238 $324,496.54 $1,374.74 $0.00 $1,834.75 $327,706.03
239 $327,706.03 $1,374.74 $0.00 $1,852.90 $330,933.67
240 $330,933.67 $1,374.74 $0.00 $1,871.15 $334,179.56
241 $334,179.56 $1,374.74 $177,694.00 $1,889.50 $159,749.80
242 $159,749.80 $1,374.74 $0.00 $903.25 $162,027.79
243 $162,027.79 $1,374.74 $0.00 $916.13 $164,318.66
244 $164,318.66 $1,374.74 $0.00 $929.08 $166,622.48
245 $166,622.48 $1,374.74 $0.00 $942.11 $168,939.33
246 $168,939.33 $1,374.74 $0.00 $955.21 $171,269.28
247 $171,269.28 $1,374.74 $0.00 $968.38 $173,612.40
248 $173,612.40 $1,374.74 $0.00 $981.63 $175,968.77
249 $175,968.77 $1,374.74 $0.00 $994.95 $178,338.46
250 $178,338.46 $1,374.74 $0.00 $1,008.35 $180,721.55
251 $180,721.55 $1,374.74 $0.00 $1,021.83 $183,118.12
252 $183,118.12 $1,374.74 $0.00 $1,035.38 $185,528.24
253 $185,528.24 $0.00 $186,578.70 $1,049.00 ($1.46)