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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$52,888
Monthly savings required$235

How much will it cost to send your child to Adirondack Community College in 18 years and how much do you need to save?  A 2 year degree is estimated to be priced at $105,775.73 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $235.05 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$21,440.00
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 $235.05 $0.00 $0.00 $235.05
2 $235.05 $235.05 $0.00 $1.33 $471.43
3 $471.43 $235.05 $0.00 $2.67 $709.15
4 $709.15 $235.05 $0.00 $4.01 $948.21
5 $948.21 $235.05 $0.00 $5.36 $1,188.62
6 $1,188.62 $235.05 $0.00 $6.72 $1,430.39
7 $1,430.39 $235.05 $0.00 $8.09 $1,673.53
8 $1,673.53 $235.05 $0.00 $9.46 $1,918.04
9 $1,918.04 $235.05 $0.00 $10.84 $2,163.93
10 $2,163.93 $235.05 $0.00 $12.24 $2,411.22
11 $2,411.22 $235.05 $0.00 $13.63 $2,659.90
12 $2,659.90 $235.05 $0.00 $15.04 $2,909.99
13 $2,909.99 $235.05 $0.00 $16.45 $3,161.49
14 $3,161.49 $235.05 $0.00 $17.88 $3,414.42
15 $3,414.42 $235.05 $0.00 $19.31 $3,668.78
16 $3,668.78 $235.05 $0.00 $20.74 $3,924.57
17 $3,924.57 $235.05 $0.00 $22.19 $4,181.81
18 $4,181.81 $235.05 $0.00 $23.64 $4,440.50
19 $4,440.50 $235.05 $0.00 $25.11 $4,700.66
20 $4,700.66 $235.05 $0.00 $26.58 $4,962.29
21 $4,962.29 $235.05 $0.00 $28.06 $5,225.40
22 $5,225.40 $235.05 $0.00 $29.55 $5,490.00
23 $5,490.00 $235.05 $0.00 $31.04 $5,756.09
24 $5,756.09 $235.05 $0.00 $32.55 $6,023.69
25 $6,023.69 $235.05 $0.00 $34.06 $6,292.80
26 $6,292.80 $235.05 $0.00 $35.58 $6,563.43
27 $6,563.43 $235.05 $0.00 $37.11 $6,835.59
28 $6,835.59 $235.05 $0.00 $38.65 $7,109.29
29 $7,109.29 $235.05 $0.00 $40.20 $7,384.54
30 $7,384.54 $235.05 $0.00 $41.75 $7,661.34
31 $7,661.34 $235.05 $0.00 $43.32 $7,939.71
32 $7,939.71 $235.05 $0.00 $44.89 $8,219.65
33 $8,219.65 $235.05 $0.00 $46.48 $8,501.18
34 $8,501.18 $235.05 $0.00 $48.07 $8,784.30
35 $8,784.30 $235.05 $0.00 $49.67 $9,069.02
36 $9,069.02 $235.05 $0.00 $51.28 $9,355.35
37 $9,355.35 $235.05 $0.00 $52.90 $9,643.30
38 $9,643.30 $235.05 $0.00 $54.52 $9,932.87
39 $9,932.87 $235.05 $0.00 $56.16 $10,224.08
40 $10,224.08 $235.05 $0.00 $57.81 $10,516.94
41 $10,516.94 $235.05 $0.00 $59.46 $10,811.45
42 $10,811.45 $235.05 $0.00 $61.13 $11,107.63
43 $11,107.63 $235.05 $0.00 $62.80 $11,405.48
44 $11,405.48 $235.05 $0.00 $64.49 $11,705.02
45 $11,705.02 $235.05 $0.00 $66.18 $12,006.25
46 $12,006.25 $235.05 $0.00 $67.89 $12,309.19
47 $12,309.19 $235.05 $0.00 $69.60 $12,613.84
48 $12,613.84 $235.05 $0.00 $71.32 $12,920.21
49 $12,920.21 $235.05 $0.00 $73.05 $13,228.31
50 $13,228.31 $235.05 $0.00 $74.79 $13,538.15
51 $13,538.15 $235.05 $0.00 $76.55 $13,849.75
52 $13,849.75 $235.05 $0.00 $78.31 $14,163.11
53 $14,163.11 $235.05 $0.00 $80.08 $14,478.24
54 $14,478.24 $235.05 $0.00 $81.86 $14,795.15
55 $14,795.15 $235.05 $0.00 $83.65 $15,113.85
56 $15,113.85 $235.05 $0.00 $85.46 $15,434.36
57 $15,434.36 $235.05 $0.00 $87.27 $15,756.68
58 $15,756.68 $235.05 $0.00 $89.09 $16,080.82
59 $16,080.82 $235.05 $0.00 $90.92 $16,406.79
60 $16,406.79 $235.05 $0.00 $92.77 $16,734.61
61 $16,734.61 $235.05 $0.00 $94.62 $17,064.28
62 $17,064.28 $235.05 $0.00 $96.48 $17,395.81
63 $17,395.81 $235.05 $0.00 $98.36 $17,729.22
64 $17,729.22 $235.05 $0.00 $100.24 $18,064.51
65 $18,064.51 $235.05 $0.00 $102.14 $18,401.70
66 $18,401.70 $235.05 $0.00 $104.05 $18,740.80
67 $18,740.80 $235.05 $0.00 $105.96 $19,081.81
68 $19,081.81 $235.05 $0.00 $107.89 $19,424.75
69 $19,424.75 $235.05 $0.00 $109.83 $19,769.63
70 $19,769.63 $235.05 $0.00 $111.78 $20,116.46
71 $20,116.46 $235.05 $0.00 $113.74 $20,465.25
72 $20,465.25 $235.05 $0.00 $115.71 $20,816.01
73 $20,816.01 $235.05 $0.00 $117.70 $21,168.76
74 $21,168.76 $235.05 $0.00 $119.69 $21,523.50
75 $21,523.50 $235.05 $0.00 $121.70 $21,880.25
76 $21,880.25 $235.05 $0.00 $123.71 $22,239.01
77 $22,239.01 $235.05 $0.00 $125.74 $22,599.80
78 $22,599.80 $235.05 $0.00 $127.78 $22,962.63
79 $22,962.63 $235.05 $0.00 $129.83 $23,327.51
80 $23,327.51 $235.05 $0.00 $131.90 $23,694.46
81 $23,694.46 $235.05 $0.00 $133.97 $24,063.48
82 $24,063.48 $235.05 $0.00 $136.06 $24,434.59
83 $24,434.59 $235.05 $0.00 $138.16 $24,807.80
84 $24,807.80 $235.05 $0.00 $140.27 $25,183.12
85 $25,183.12 $235.05 $0.00 $142.39 $25,560.56
86 $25,560.56 $235.05 $0.00 $144.52 $25,940.13
87 $25,940.13 $235.05 $0.00 $146.67 $26,321.85
88 $26,321.85 $235.05 $0.00 $148.83 $26,705.73
89 $26,705.73 $235.05 $0.00 $151.00 $27,091.78
90 $27,091.78 $235.05 $0.00 $153.18 $27,480.01
91 $27,480.01 $235.05 $0.00 $155.38 $27,870.44
92 $27,870.44 $235.05 $0.00 $157.58 $28,263.07
93 $28,263.07 $235.05 $0.00 $159.80 $28,657.92
94 $28,657.92 $235.05 $0.00 $162.04 $29,055.01
95 $29,055.01 $235.05 $0.00 $164.28 $29,454.34
96 $29,454.34 $235.05 $0.00 $166.54 $29,855.93
97 $29,855.93 $235.05 $0.00 $168.81 $30,259.79
98 $30,259.79 $235.05 $0.00 $171.09 $30,665.93
99 $30,665.93 $235.05 $0.00 $173.39 $31,074.37
100 $31,074.37 $235.05 $0.00 $175.70 $31,485.12
101 $31,485.12 $235.05 $0.00 $178.02 $31,898.19
102 $31,898.19 $235.05 $0.00 $180.36 $32,313.60
103 $32,313.60 $235.05 $0.00 $182.71 $32,731.36
104 $32,731.36 $235.05 $0.00 $185.07 $33,151.48
105 $33,151.48 $235.05 $0.00 $187.44 $33,573.97
106 $33,573.97 $235.05 $0.00 $189.83 $33,998.85
107 $33,998.85 $235.05 $0.00 $192.23 $34,426.13
108 $34,426.13 $235.05 $0.00 $194.65 $34,855.83
109 $34,855.83 $235.05 $0.00 $197.08 $35,287.96
110 $35,287.96 $235.05 $0.00 $199.52 $35,722.53
111 $35,722.53 $235.05 $0.00 $201.98 $36,159.56
112 $36,159.56 $235.05 $0.00 $204.45 $36,599.06
113 $36,599.06 $235.05 $0.00 $206.94 $37,041.05
114 $37,041.05 $235.05 $0.00 $209.44 $37,485.54
115 $37,485.54 $235.05 $0.00 $211.95 $37,932.54
116 $37,932.54 $235.05 $0.00 $214.48 $38,382.07
117 $38,382.07 $235.05 $0.00 $217.02 $38,834.14
118 $38,834.14 $235.05 $0.00 $219.57 $39,288.76
119 $39,288.76 $235.05 $0.00 $222.14 $39,745.95
120 $39,745.95 $235.05 $0.00 $224.73 $40,205.73
121 $40,205.73 $235.05 $0.00 $227.33 $40,668.11
122 $40,668.11 $235.05 $0.00 $229.94 $41,133.10
123 $41,133.10 $235.05 $0.00 $232.57 $41,600.72
124 $41,600.72 $235.05 $0.00 $235.22 $42,070.99
125 $42,070.99 $235.05 $0.00 $237.88 $42,543.92
126 $42,543.92 $235.05 $0.00 $240.55 $43,019.52
127 $43,019.52 $235.05 $0.00 $243.24 $43,497.81
128 $43,497.81 $235.05 $0.00 $245.94 $43,978.80
129 $43,978.80 $235.05 $0.00 $248.66 $44,462.51
130 $44,462.51 $235.05 $0.00 $251.40 $44,948.96
131 $44,948.96 $235.05 $0.00 $254.15 $45,438.16
132 $45,438.16 $235.05 $0.00 $256.91 $45,930.12
133 $45,930.12 $235.05 $0.00 $259.70 $46,424.87
134 $46,424.87 $235.05 $0.00 $262.49 $46,922.41
135 $46,922.41 $235.05 $0.00 $265.31 $47,422.77
136 $47,422.77 $235.05 $0.00 $268.14 $47,925.96
137 $47,925.96 $235.05 $0.00 $270.98 $48,431.99
138 $48,431.99 $235.05 $0.00 $273.84 $48,940.88
139 $48,940.88 $235.05 $0.00 $276.72 $49,452.65
140 $49,452.65 $235.05 $0.00 $279.61 $49,967.31
141 $49,967.31 $235.05 $0.00 $282.52 $50,484.88
142 $50,484.88 $235.05 $0.00 $285.45 $51,005.38
143 $51,005.38 $235.05 $0.00 $288.39 $51,528.82
144 $51,528.82 $235.05 $0.00 $291.35 $52,055.22
145 $52,055.22 $235.05 $0.00 $294.33 $52,584.60
146 $52,584.60 $235.05 $0.00 $297.32 $53,116.97
147 $53,116.97 $235.05 $0.00 $300.33 $53,652.35
148 $53,652.35 $235.05 $0.00 $303.36 $54,190.76
149 $54,190.76 $235.05 $0.00 $306.40 $54,732.21
150 $54,732.21 $235.05 $0.00 $309.46 $55,276.72
151 $55,276.72 $235.05 $0.00 $312.54 $55,824.31
152 $55,824.31 $235.05 $0.00 $315.64 $56,375.00
153 $56,375.00 $235.05 $0.00 $318.75 $56,928.80
154 $56,928.80 $235.05 $0.00 $321.88 $57,485.73
155 $57,485.73 $235.05 $0.00 $325.03 $58,045.81
156 $58,045.81 $235.05 $0.00 $328.20 $58,609.06
157 $58,609.06 $235.05 $0.00 $331.38 $59,175.49
158 $59,175.49 $235.05 $0.00 $334.59 $59,745.13
159 $59,745.13 $235.05 $0.00 $337.81 $60,317.99
160 $60,317.99 $235.05 $0.00 $341.05 $60,894.09
161 $60,894.09 $235.05 $0.00 $344.30 $61,473.44
162 $61,473.44 $235.05 $0.00 $347.58 $62,056.07
163 $62,056.07 $235.05 $0.00 $350.87 $62,641.99
164 $62,641.99 $235.05 $0.00 $354.19 $63,231.23
165 $63,231.23 $235.05 $0.00 $357.52 $63,823.80
166 $63,823.80 $235.05 $0.00 $360.87 $64,419.72
167 $64,419.72 $235.05 $0.00 $364.24 $65,019.01
168 $65,019.01 $235.05 $0.00 $367.63 $65,621.69
169 $65,621.69 $235.05 $0.00 $371.03 $66,227.77
170 $66,227.77 $235.05 $0.00 $374.46 $66,837.28
171 $66,837.28 $235.05 $0.00 $377.91 $67,450.24
172 $67,450.24 $235.05 $0.00 $381.37 $68,066.66
173 $68,066.66 $235.05 $0.00 $384.86 $68,686.57
174 $68,686.57 $235.05 $0.00 $388.36 $69,309.98
175 $69,309.98 $235.05 $0.00 $391.89 $69,936.92
176 $69,936.92 $235.05 $0.00 $395.43 $70,567.40
177 $70,567.40 $235.05 $0.00 $399.00 $71,201.45
178 $71,201.45 $235.05 $0.00 $402.58 $71,839.08
179 $71,839.08 $235.05 $0.00 $406.19 $72,480.32
180 $72,480.32 $235.05 $0.00 $409.81 $73,125.18
181 $73,125.18 $235.05 $0.00 $413.46 $73,773.69
182 $73,773.69 $235.05 $0.00 $417.13 $74,425.87
183 $74,425.87 $235.05 $0.00 $420.81 $75,081.73
184 $75,081.73 $235.05 $0.00 $424.52 $75,741.30
185 $75,741.30 $235.05 $0.00 $428.25 $76,404.60
186 $76,404.60 $235.05 $0.00 $432.00 $77,071.65
187 $77,071.65 $235.05 $0.00 $435.77 $77,742.47
188 $77,742.47 $235.05 $0.00 $439.57 $78,417.09
189 $78,417.09 $235.05 $0.00 $443.38 $79,095.52
190 $79,095.52 $235.05 $0.00 $447.22 $79,777.79
191 $79,777.79 $235.05 $0.00 $451.08 $80,463.92
192 $80,463.92 $235.05 $0.00 $454.95 $81,153.92
193 $81,153.92 $235.05 $0.00 $458.86 $81,847.83
194 $81,847.83 $235.05 $0.00 $462.78 $82,545.66
195 $82,545.66 $235.05 $0.00 $466.73 $83,247.44
196 $83,247.44 $235.05 $0.00 $470.69 $83,953.18
197 $83,953.18 $235.05 $0.00 $474.68 $84,662.91
198 $84,662.91 $235.05 $0.00 $478.70 $85,376.66
199 $85,376.66 $235.05 $0.00 $482.73 $86,094.44
200 $86,094.44 $235.05 $0.00 $486.79 $86,816.28
201 $86,816.28 $235.05 $0.00 $490.87 $87,542.20
202 $87,542.20 $235.05 $0.00 $494.98 $88,272.23
203 $88,272.23 $235.05 $0.00 $499.10 $89,006.38
204 $89,006.38 $235.05 $0.00 $503.26 $89,744.69
205 $89,744.69 $235.05 $0.00 $507.43 $90,487.17
206 $90,487.17 $235.05 $0.00 $511.63 $91,233.85
207 $91,233.85 $235.05 $0.00 $515.85 $91,984.75
208 $91,984.75 $235.05 $0.00 $520.10 $92,739.90
209 $92,739.90 $235.05 $0.00 $524.36 $93,499.31
210 $93,499.31 $235.05 $0.00 $528.66 $94,263.02
211 $94,263.02 $235.05 $0.00 $532.98 $95,031.05
212 $95,031.05 $235.05 $0.00 $537.32 $95,803.42
213 $95,803.42 $235.05 $0.00 $541.69 $96,580.16
214 $96,580.16 $235.05 $0.00 $546.08 $97,361.29
215 $97,361.29 $235.05 $0.00 $550.49 $98,146.83
216 $98,146.83 $235.05 $0.00 $554.94 $98,936.82
217 $98,936.82 $235.05 $51,597.92 $559.40 $48,133.35
218 $48,133.35 $235.05 $0.00 $272.15 $48,640.55
219 $48,640.55 $235.05 $0.00 $275.02 $49,150.62
220 $49,150.62 $235.05 $0.00 $277.90 $49,663.57
221 $49,663.57 $235.05 $0.00 $280.81 $50,179.43
222 $50,179.43 $235.05 $0.00 $283.72 $50,698.20
223 $50,698.20 $235.05 $0.00 $286.65 $51,219.90
224 $51,219.90 $235.05 $0.00 $289.60 $51,744.55
225 $51,744.55 $235.05 $0.00 $292.57 $52,272.17
226 $52,272.17 $235.05 $0.00 $295.55 $52,802.77
227 $52,802.77 $235.05 $0.00 $298.55 $53,336.37
228 $53,336.37 $235.05 $0.00 $301.57 $53,872.99
229 $53,872.99 $0.00 $54,177.81 $304.61 ($0.21)