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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$114,386
Monthly savings required$905

How much will it cost to send your child to Concordia University Seward in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $457,545.52 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $905.46 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$44,110.00
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 $905.46 $0.00 $0.00 $905.46
2 $905.46 $905.46 $0.00 $5.12 $1,816.04
3 $1,816.04 $905.46 $0.00 $10.27 $2,731.77
4 $2,731.77 $905.46 $0.00 $15.45 $3,652.68
5 $3,652.68 $905.46 $0.00 $20.65 $4,578.79
6 $4,578.79 $905.46 $0.00 $25.89 $5,510.14
7 $5,510.14 $905.46 $0.00 $31.16 $6,446.76
8 $6,446.76 $905.46 $0.00 $36.45 $7,388.67
9 $7,388.67 $905.46 $0.00 $41.78 $8,335.91
10 $8,335.91 $905.46 $0.00 $47.13 $9,288.50
11 $9,288.50 $905.46 $0.00 $52.52 $10,246.48
12 $10,246.48 $905.46 $0.00 $57.94 $11,209.88
13 $11,209.88 $905.46 $0.00 $63.38 $12,178.72
14 $12,178.72 $905.46 $0.00 $68.86 $13,153.04
15 $13,153.04 $905.46 $0.00 $74.37 $14,132.87
16 $14,132.87 $905.46 $0.00 $79.91 $15,118.24
17 $15,118.24 $905.46 $0.00 $85.48 $16,109.18
18 $16,109.18 $905.46 $0.00 $91.08 $17,105.72
19 $17,105.72 $905.46 $0.00 $96.72 $18,107.90
20 $18,107.90 $905.46 $0.00 $102.38 $19,115.74
21 $19,115.74 $905.46 $0.00 $108.08 $20,129.28
22 $20,129.28 $905.46 $0.00 $113.81 $21,148.55
23 $21,148.55 $905.46 $0.00 $119.58 $22,173.59
24 $22,173.59 $905.46 $0.00 $125.37 $23,204.42
25 $23,204.42 $905.46 $0.00 $131.20 $24,241.08
26 $24,241.08 $905.46 $0.00 $137.06 $25,283.60
27 $25,283.60 $905.46 $0.00 $142.96 $26,332.02
28 $26,332.02 $905.46 $0.00 $148.89 $27,386.37
29 $27,386.37 $905.46 $0.00 $154.85 $28,446.68
30 $28,446.68 $905.46 $0.00 $160.84 $29,512.98
31 $29,512.98 $905.46 $0.00 $166.87 $30,585.31
32 $30,585.31 $905.46 $0.00 $172.93 $31,663.70
33 $31,663.70 $905.46 $0.00 $179.03 $32,748.19
34 $32,748.19 $905.46 $0.00 $185.16 $33,838.81
35 $33,838.81 $905.46 $0.00 $191.33 $34,935.60
36 $34,935.60 $905.46 $0.00 $197.53 $36,038.59
37 $36,038.59 $905.46 $0.00 $203.77 $37,147.82
38 $37,147.82 $905.46 $0.00 $210.04 $38,263.32
39 $38,263.32 $905.46 $0.00 $216.35 $39,385.13
40 $39,385.13 $905.46 $0.00 $222.69 $40,513.28
41 $40,513.28 $905.46 $0.00 $229.07 $41,647.81
42 $41,647.81 $905.46 $0.00 $235.48 $42,788.75
43 $42,788.75 $905.46 $0.00 $241.93 $43,936.14
44 $43,936.14 $905.46 $0.00 $248.42 $45,090.02
45 $45,090.02 $905.46 $0.00 $254.95 $46,250.43
46 $46,250.43 $905.46 $0.00 $261.51 $47,417.40
47 $47,417.40 $905.46 $0.00 $268.10 $48,590.96
48 $48,590.96 $905.46 $0.00 $274.74 $49,771.16
49 $49,771.16 $905.46 $0.00 $281.41 $50,958.03
50 $50,958.03 $905.46 $0.00 $288.12 $52,151.61
51 $52,151.61 $905.46 $0.00 $294.87 $53,351.94
52 $53,351.94 $905.46 $0.00 $301.66 $54,559.06
53 $54,559.06 $905.46 $0.00 $308.48 $55,773.00
54 $55,773.00 $905.46 $0.00 $315.35 $56,993.81
55 $56,993.81 $905.46 $0.00 $322.25 $58,221.52
56 $58,221.52 $905.46 $0.00 $329.19 $59,456.17
57 $59,456.17 $905.46 $0.00 $336.17 $60,697.80
58 $60,697.80 $905.46 $0.00 $343.19 $61,946.45
59 $61,946.45 $905.46 $0.00 $350.25 $63,202.16
60 $63,202.16 $905.46 $0.00 $357.35 $64,464.97
61 $64,464.97 $905.46 $0.00 $364.49 $65,734.92
62 $65,734.92 $905.46 $0.00 $371.67 $67,012.05
63 $67,012.05 $905.46 $0.00 $378.90 $68,296.41
64 $68,296.41 $905.46 $0.00 $386.16 $69,588.03
65 $69,588.03 $905.46 $0.00 $393.46 $70,886.95
66 $70,886.95 $905.46 $0.00 $400.81 $72,193.22
67 $72,193.22 $905.46 $0.00 $408.19 $73,506.87
68 $73,506.87 $905.46 $0.00 $415.62 $74,827.95
69 $74,827.95 $905.46 $0.00 $423.09 $76,156.50
70 $76,156.50 $905.46 $0.00 $430.60 $77,492.56
71 $77,492.56 $905.46 $0.00 $438.15 $78,836.17
72 $78,836.17 $905.46 $0.00 $445.75 $80,187.38
73 $80,187.38 $905.46 $0.00 $453.39 $81,546.23
74 $81,546.23 $905.46 $0.00 $461.07 $82,912.76
75 $82,912.76 $905.46 $0.00 $468.80 $84,287.02
76 $84,287.02 $905.46 $0.00 $476.57 $85,669.05
77 $85,669.05 $905.46 $0.00 $484.39 $87,058.90
78 $87,058.90 $905.46 $0.00 $492.24 $88,456.60
79 $88,456.60 $905.46 $0.00 $500.15 $89,862.21
80 $89,862.21 $905.46 $0.00 $508.09 $91,275.76
81 $91,275.76 $905.46 $0.00 $516.09 $92,697.31
82 $92,697.31 $905.46 $0.00 $524.12 $94,126.89
83 $94,126.89 $905.46 $0.00 $532.21 $95,564.56
84 $95,564.56 $905.46 $0.00 $540.34 $97,010.36
85 $97,010.36 $905.46 $0.00 $548.51 $98,464.33
86 $98,464.33 $905.46 $0.00 $556.73 $99,926.52
87 $99,926.52 $905.46 $0.00 $565.00 $101,396.98
88 $101,396.98 $905.46 $0.00 $573.31 $102,875.75
89 $102,875.75 $905.46 $0.00 $581.67 $104,362.88
90 $104,362.88 $905.46 $0.00 $590.08 $105,858.42
91 $105,858.42 $905.46 $0.00 $598.54 $107,362.42
92 $107,362.42 $905.46 $0.00 $607.04 $108,874.92
93 $108,874.92 $905.46 $0.00 $615.59 $110,395.97
94 $110,395.97 $905.46 $0.00 $624.19 $111,925.62
95 $111,925.62 $905.46 $0.00 $632.84 $113,463.92
96 $113,463.92 $905.46 $0.00 $641.54 $115,010.92
97 $115,010.92 $905.46 $0.00 $650.29 $116,566.67
98 $116,566.67 $905.46 $0.00 $659.08 $118,131.21
99 $118,131.21 $905.46 $0.00 $667.93 $119,704.60
100 $119,704.60 $905.46 $0.00 $676.83 $121,286.89
101 $121,286.89 $905.46 $0.00 $685.77 $122,878.12
102 $122,878.12 $905.46 $0.00 $694.77 $124,478.35
103 $124,478.35 $905.46 $0.00 $703.82 $126,087.63
104 $126,087.63 $905.46 $0.00 $712.92 $127,706.01
105 $127,706.01 $905.46 $0.00 $722.07 $129,333.54
106 $129,333.54 $905.46 $0.00 $731.27 $130,970.27
107 $130,970.27 $905.46 $0.00 $740.52 $132,616.25
108 $132,616.25 $905.46 $0.00 $749.83 $134,271.54
109 $134,271.54 $905.46 $0.00 $759.19 $135,936.19
110 $135,936.19 $905.46 $0.00 $768.60 $137,610.25
111 $137,610.25 $905.46 $0.00 $778.07 $139,293.78
112 $139,293.78 $905.46 $0.00 $787.59 $140,986.83
113 $140,986.83 $905.46 $0.00 $797.16 $142,689.45
114 $142,689.45 $905.46 $0.00 $806.79 $144,401.70
115 $144,401.70 $905.46 $0.00 $816.47 $146,123.63
116 $146,123.63 $905.46 $0.00 $826.20 $147,855.29
117 $147,855.29 $905.46 $0.00 $836.00 $149,596.75
118 $149,596.75 $905.46 $0.00 $845.84 $151,348.05
119 $151,348.05 $905.46 $0.00 $855.74 $153,109.25
120 $153,109.25 $905.46 $0.00 $865.70 $154,880.41
121 $154,880.41 $905.46 $0.00 $875.72 $156,661.59
122 $156,661.59 $905.46 $0.00 $885.79 $158,452.84
123 $158,452.84 $905.46 $0.00 $895.92 $160,254.22
124 $160,254.22 $905.46 $0.00 $906.10 $162,065.78
125 $162,065.78 $905.46 $0.00 $916.34 $163,887.58
126 $163,887.58 $905.46 $0.00 $926.64 $165,719.68
127 $165,719.68 $905.46 $0.00 $937.00 $167,562.14
128 $167,562.14 $905.46 $0.00 $947.42 $169,415.02
129 $169,415.02 $905.46 $0.00 $957.90 $171,278.38
130 $171,278.38 $905.46 $0.00 $968.43 $173,152.27
131 $173,152.27 $905.46 $0.00 $979.03 $175,036.76
132 $175,036.76 $905.46 $0.00 $989.68 $176,931.90
133 $176,931.90 $905.46 $0.00 $1,000.40 $178,837.76
134 $178,837.76 $905.46 $0.00 $1,011.17 $180,754.39
135 $180,754.39 $905.46 $0.00 $1,022.01 $182,681.86
136 $182,681.86 $905.46 $0.00 $1,032.91 $184,620.23
137 $184,620.23 $905.46 $0.00 $1,043.87 $186,569.56
138 $186,569.56 $905.46 $0.00 $1,054.89 $188,529.91
139 $188,529.91 $905.46 $0.00 $1,065.98 $190,501.35
140 $190,501.35 $905.46 $0.00 $1,077.12 $192,483.93
141 $192,483.93 $905.46 $0.00 $1,088.33 $194,477.72
142 $194,477.72 $905.46 $0.00 $1,099.61 $196,482.79
143 $196,482.79 $905.46 $0.00 $1,110.94 $198,499.19
144 $198,499.19 $905.46 $0.00 $1,122.34 $200,526.99
145 $200,526.99 $905.46 $0.00 $1,133.81 $202,566.26
146 $202,566.26 $905.46 $0.00 $1,145.34 $204,617.06
147 $204,617.06 $905.46 $0.00 $1,156.93 $206,679.45
148 $206,679.45 $905.46 $0.00 $1,168.60 $208,753.51
149 $208,753.51 $905.46 $0.00 $1,180.32 $210,839.29
150 $210,839.29 $905.46 $0.00 $1,192.12 $212,936.87
151 $212,936.87 $905.46 $0.00 $1,203.98 $215,046.31
152 $215,046.31 $905.46 $0.00 $1,215.90 $217,167.67
153 $217,167.67 $905.46 $0.00 $1,227.90 $219,301.03
154 $219,301.03 $905.46 $0.00 $1,239.96 $221,446.45
155 $221,446.45 $905.46 $0.00 $1,252.09 $223,604.00
156 $223,604.00 $905.46 $0.00 $1,264.29 $225,773.75
157 $225,773.75 $905.46 $0.00 $1,276.56 $227,955.77
158 $227,955.77 $905.46 $0.00 $1,288.90 $230,150.13
159 $230,150.13 $905.46 $0.00 $1,301.30 $232,356.89
160 $232,356.89 $905.46 $0.00 $1,313.78 $234,576.13
161 $234,576.13 $905.46 $0.00 $1,326.33 $236,807.92
162 $236,807.92 $905.46 $0.00 $1,338.95 $239,052.33
163 $239,052.33 $905.46 $0.00 $1,351.64 $241,309.43
164 $241,309.43 $905.46 $0.00 $1,364.40 $243,579.29
165 $243,579.29 $905.46 $0.00 $1,377.23 $245,861.98
166 $245,861.98 $905.46 $0.00 $1,390.14 $248,157.58
167 $248,157.58 $905.46 $0.00 $1,403.12 $250,466.16
168 $250,466.16 $905.46 $0.00 $1,416.17 $252,787.79
169 $252,787.79 $905.46 $0.00 $1,429.30 $255,122.55
170 $255,122.55 $905.46 $0.00 $1,442.50 $257,470.51
171 $257,470.51 $905.46 $0.00 $1,455.78 $259,831.75
172 $259,831.75 $905.46 $0.00 $1,469.13 $262,206.34
173 $262,206.34 $905.46 $0.00 $1,482.55 $264,594.35
174 $264,594.35 $905.46 $0.00 $1,496.05 $266,995.86
175 $266,995.86 $905.46 $0.00 $1,509.63 $269,410.95
176 $269,410.95 $905.46 $0.00 $1,523.29 $271,839.70
177 $271,839.70 $905.46 $0.00 $1,537.02 $274,282.18
178 $274,282.18 $905.46 $0.00 $1,550.83 $276,738.47
179 $276,738.47 $905.46 $0.00 $1,564.72 $279,208.65
180 $279,208.65 $905.46 $0.00 $1,578.69 $281,692.80
181 $281,692.80 $905.46 $0.00 $1,592.73 $284,190.99
182 $284,190.99 $905.46 $0.00 $1,606.86 $286,703.31
183 $286,703.31 $905.46 $0.00 $1,621.06 $289,229.83
184 $289,229.83 $905.46 $0.00 $1,635.35 $291,770.64
185 $291,770.64 $905.46 $0.00 $1,649.71 $294,325.81
186 $294,325.81 $905.46 $0.00 $1,664.16 $296,895.43
187 $296,895.43 $905.46 $0.00 $1,678.69 $299,479.58
188 $299,479.58 $905.46 $0.00 $1,693.30 $302,078.34
189 $302,078.34 $905.46 $0.00 $1,707.99 $304,691.79
190 $304,691.79 $905.46 $0.00 $1,722.77 $307,320.02
191 $307,320.02 $905.46 $0.00 $1,737.63 $309,963.11
192 $309,963.11 $905.46 $0.00 $1,752.58 $312,621.15
193 $312,621.15 $905.46 $0.00 $1,767.61 $315,294.22
194 $315,294.22 $905.46 $0.00 $1,782.72 $317,982.40
195 $317,982.40 $905.46 $0.00 $1,797.92 $320,685.78
196 $320,685.78 $905.46 $0.00 $1,813.20 $323,404.44
197 $323,404.44 $905.46 $0.00 $1,828.58 $326,138.48
198 $326,138.48 $905.46 $0.00 $1,844.03 $328,887.97
199 $328,887.97 $905.46 $0.00 $1,859.58 $331,653.01
200 $331,653.01 $905.46 $0.00 $1,875.21 $334,433.68
201 $334,433.68 $905.46 $0.00 $1,890.94 $337,230.08
202 $337,230.08 $905.46 $0.00 $1,906.75 $340,042.29
203 $340,042.29 $905.46 $0.00 $1,922.65 $342,870.40
204 $342,870.40 $905.46 $0.00 $1,938.64 $345,714.50
205 $345,714.50 $905.46 $0.00 $1,954.72 $348,574.68
206 $348,574.68 $905.46 $0.00 $1,970.89 $351,451.03
207 $351,451.03 $905.46 $0.00 $1,987.16 $354,343.65
208 $354,343.65 $905.46 $0.00 $2,003.51 $357,252.62
209 $357,252.62 $905.46 $0.00 $2,019.96 $360,178.04
210 $360,178.04 $905.46 $0.00 $2,036.50 $363,120.00
211 $363,120.00 $905.46 $0.00 $2,053.13 $366,078.59
212 $366,078.59 $905.46 $0.00 $2,069.86 $369,053.91
213 $369,053.91 $905.46 $0.00 $2,086.68 $372,046.05
214 $372,046.05 $905.46 $0.00 $2,103.60 $375,055.11
215 $375,055.11 $905.46 $0.00 $2,120.62 $378,081.19
216 $378,081.19 $905.46 $0.00 $2,137.73 $381,124.38
217 $381,124.38 $905.46 $106,155.97 $2,154.93 $278,028.80
218 $278,028.80 $905.46 $0.00 $1,572.02 $280,506.28
219 $280,506.28 $905.46 $0.00 $1,586.02 $282,997.76
220 $282,997.76 $905.46 $0.00 $1,600.11 $285,503.33
221 $285,503.33 $905.46 $0.00 $1,614.28 $288,023.07
222 $288,023.07 $905.46 $0.00 $1,628.52 $290,557.05
223 $290,557.05 $905.46 $0.00 $1,642.85 $293,105.36
224 $293,105.36 $905.46 $0.00 $1,657.26 $295,668.08
225 $295,668.08 $905.46 $0.00 $1,671.75 $298,245.29
226 $298,245.29 $905.46 $0.00 $1,686.32 $300,837.07
227 $300,837.07 $905.46 $0.00 $1,700.98 $303,443.51
228 $303,443.51 $905.46 $0.00 $1,715.71 $306,064.68
229 $306,064.68 $905.46 $111,463.77 $1,730.53 $197,236.90
230 $197,236.90 $905.46 $0.00 $1,115.21 $199,257.57
231 $199,257.57 $905.46 $0.00 $1,126.63 $201,289.66
232 $201,289.66 $905.46 $0.00 $1,138.12 $203,333.24
233 $203,333.24 $905.46 $0.00 $1,149.68 $205,388.38
234 $205,388.38 $905.46 $0.00 $1,161.30 $207,455.14
235 $207,455.14 $905.46 $0.00 $1,172.98 $209,533.58
236 $209,533.58 $905.46 $0.00 $1,184.73 $211,623.77
237 $211,623.77 $905.46 $0.00 $1,196.55 $213,725.78
238 $213,725.78 $905.46 $0.00 $1,208.44 $215,839.68
239 $215,839.68 $905.46 $0.00 $1,220.39 $217,965.53
240 $217,965.53 $905.46 $0.00 $1,232.41 $220,103.40
241 $220,103.40 $905.46 $117,036.96 $1,244.50 $105,216.40
242 $105,216.40 $905.46 $0.00 $594.91 $106,716.77
243 $106,716.77 $905.46 $0.00 $603.39 $108,225.62
244 $108,225.62 $905.46 $0.00 $611.92 $109,743.00
245 $109,743.00 $905.46 $0.00 $620.50 $111,268.96
246 $111,268.96 $905.46 $0.00 $629.13 $112,803.55
247 $112,803.55 $905.46 $0.00 $637.81 $114,346.82
248 $114,346.82 $905.46 $0.00 $646.53 $115,898.81
249 $115,898.81 $905.46 $0.00 $655.31 $117,459.58
250 $117,459.58 $905.46 $0.00 $664.13 $119,029.17
251 $119,029.17 $905.46 $0.00 $673.01 $120,607.64
252 $120,607.64 $905.46 $0.00 $681.93 $122,195.03
253 $122,195.03 $0.00 $122,888.81 $690.91 ($2.87)