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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2037$40,554
Monthly savings required$180

How much will it cost to send your child to Hudson Valley Community College in 18 years and how much do you need to save?  A 2 year degree is estimated to be priced at $81,107.88 for students enrolling in 2037 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $180.24 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$16,440.00
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 $180.24 $0.00 $0.00 $180.24
2 $180.24 $180.24 $0.00 $1.02 $361.50
3 $361.50 $180.24 $0.00 $2.04 $543.78
4 $543.78 $180.24 $0.00 $3.07 $727.09
5 $727.09 $180.24 $0.00 $4.11 $911.44
6 $911.44 $180.24 $0.00 $5.15 $1,096.83
7 $1,096.83 $180.24 $0.00 $6.20 $1,283.27
8 $1,283.27 $180.24 $0.00 $7.26 $1,470.77
9 $1,470.77 $180.24 $0.00 $8.32 $1,659.33
10 $1,659.33 $180.24 $0.00 $9.38 $1,848.95
11 $1,848.95 $180.24 $0.00 $10.45 $2,039.64
12 $2,039.64 $180.24 $0.00 $11.53 $2,231.41
13 $2,231.41 $180.24 $0.00 $12.62 $2,424.27
14 $2,424.27 $180.24 $0.00 $13.71 $2,618.22
15 $2,618.22 $180.24 $0.00 $14.80 $2,813.26
16 $2,813.26 $180.24 $0.00 $15.91 $3,009.41
17 $3,009.41 $180.24 $0.00 $17.02 $3,206.67
18 $3,206.67 $180.24 $0.00 $18.13 $3,405.04
19 $3,405.04 $180.24 $0.00 $19.25 $3,604.53
20 $3,604.53 $180.24 $0.00 $20.38 $3,805.15
21 $3,805.15 $180.24 $0.00 $21.51 $4,006.90
22 $4,006.90 $180.24 $0.00 $22.66 $4,209.80
23 $4,209.80 $180.24 $0.00 $23.80 $4,413.84
24 $4,413.84 $180.24 $0.00 $24.96 $4,619.04
25 $4,619.04 $180.24 $0.00 $26.12 $4,825.40
26 $4,825.40 $180.24 $0.00 $27.28 $5,032.92
27 $5,032.92 $180.24 $0.00 $28.46 $5,241.62
28 $5,241.62 $180.24 $0.00 $29.64 $5,451.50
29 $5,451.50 $180.24 $0.00 $30.82 $5,662.56
30 $5,662.56 $180.24 $0.00 $32.02 $5,874.82
31 $5,874.82 $180.24 $0.00 $33.22 $6,088.28
32 $6,088.28 $180.24 $0.00 $34.42 $6,302.94
33 $6,302.94 $180.24 $0.00 $35.64 $6,518.82
34 $6,518.82 $180.24 $0.00 $36.86 $6,735.92
35 $6,735.92 $180.24 $0.00 $38.09 $6,954.25
36 $6,954.25 $180.24 $0.00 $39.32 $7,173.81
37 $7,173.81 $180.24 $0.00 $40.56 $7,394.61
38 $7,394.61 $180.24 $0.00 $41.81 $7,616.66
39 $7,616.66 $180.24 $0.00 $43.07 $7,839.97
40 $7,839.97 $180.24 $0.00 $44.33 $8,064.54
41 $8,064.54 $180.24 $0.00 $45.60 $8,290.38
42 $8,290.38 $180.24 $0.00 $46.88 $8,517.50
43 $8,517.50 $180.24 $0.00 $48.16 $8,745.90
44 $8,745.90 $180.24 $0.00 $49.45 $8,975.59
45 $8,975.59 $180.24 $0.00 $50.75 $9,206.58
46 $9,206.58 $180.24 $0.00 $52.06 $9,438.88
47 $9,438.88 $180.24 $0.00 $53.37 $9,672.49
48 $9,672.49 $180.24 $0.00 $54.69 $9,907.42
49 $9,907.42 $180.24 $0.00 $56.02 $10,143.68
50 $10,143.68 $180.24 $0.00 $57.35 $10,381.27
51 $10,381.27 $180.24 $0.00 $58.70 $10,620.21
52 $10,620.21 $180.24 $0.00 $60.05 $10,860.50
53 $10,860.50 $180.24 $0.00 $61.41 $11,102.15
54 $11,102.15 $180.24 $0.00 $62.77 $11,345.16
55 $11,345.16 $180.24 $0.00 $64.15 $11,589.55
56 $11,589.55 $180.24 $0.00 $65.53 $11,835.32
57 $11,835.32 $180.24 $0.00 $66.92 $12,082.48
58 $12,082.48 $180.24 $0.00 $68.32 $12,331.04
59 $12,331.04 $180.24 $0.00 $69.72 $12,581.00
60 $12,581.00 $180.24 $0.00 $71.13 $12,832.37
61 $12,832.37 $180.24 $0.00 $72.56 $13,085.17
62 $13,085.17 $180.24 $0.00 $73.99 $13,339.40
63 $13,339.40 $180.24 $0.00 $75.42 $13,595.06
64 $13,595.06 $180.24 $0.00 $76.87 $13,852.17
65 $13,852.17 $180.24 $0.00 $78.32 $14,110.73
66 $14,110.73 $180.24 $0.00 $79.78 $14,370.75
67 $14,370.75 $180.24 $0.00 $81.25 $14,632.24
68 $14,632.24 $180.24 $0.00 $82.73 $14,895.21
69 $14,895.21 $180.24 $0.00 $84.22 $15,159.67
70 $15,159.67 $180.24 $0.00 $85.71 $15,425.62
71 $15,425.62 $180.24 $0.00 $87.22 $15,693.08
72 $15,693.08 $180.24 $0.00 $88.73 $15,962.05
73 $15,962.05 $180.24 $0.00 $90.25 $16,232.54
74 $16,232.54 $180.24 $0.00 $91.78 $16,504.56
75 $16,504.56 $180.24 $0.00 $93.32 $16,778.12
76 $16,778.12 $180.24 $0.00 $94.87 $17,053.23
77 $17,053.23 $180.24 $0.00 $96.42 $17,329.89
78 $17,329.89 $180.24 $0.00 $97.99 $17,608.12
79 $17,608.12 $180.24 $0.00 $99.56 $17,887.92
80 $17,887.92 $180.24 $0.00 $101.14 $18,169.30
81 $18,169.30 $180.24 $0.00 $102.73 $18,452.27
82 $18,452.27 $180.24 $0.00 $104.33 $18,736.84
83 $18,736.84 $180.24 $0.00 $105.94 $19,023.02
84 $19,023.02 $180.24 $0.00 $107.56 $19,310.82
85 $19,310.82 $180.24 $0.00 $109.19 $19,600.25
86 $19,600.25 $180.24 $0.00 $110.82 $19,891.31
87 $19,891.31 $180.24 $0.00 $112.47 $20,184.02
88 $20,184.02 $180.24 $0.00 $114.12 $20,478.38
89 $20,478.38 $180.24 $0.00 $115.79 $20,774.41
90 $20,774.41 $180.24 $0.00 $117.46 $21,072.11
91 $21,072.11 $180.24 $0.00 $119.14 $21,371.49
92 $21,371.49 $180.24 $0.00 $120.84 $21,672.57
93 $21,672.57 $180.24 $0.00 $122.54 $21,975.35
94 $21,975.35 $180.24 $0.00 $124.25 $22,279.84
95 $22,279.84 $180.24 $0.00 $125.97 $22,586.05
96 $22,586.05 $180.24 $0.00 $127.70 $22,893.99
97 $22,893.99 $180.24 $0.00 $129.45 $23,203.68
98 $23,203.68 $180.24 $0.00 $131.20 $23,515.12
99 $23,515.12 $180.24 $0.00 $132.96 $23,828.32
100 $23,828.32 $180.24 $0.00 $134.73 $24,143.29
101 $24,143.29 $180.24 $0.00 $136.51 $24,460.04
102 $24,460.04 $180.24 $0.00 $138.30 $24,778.58
103 $24,778.58 $180.24 $0.00 $140.10 $25,098.92
104 $25,098.92 $180.24 $0.00 $141.91 $25,421.07
105 $25,421.07 $180.24 $0.00 $143.73 $25,745.04
106 $25,745.04 $180.24 $0.00 $145.57 $26,070.85
107 $26,070.85 $180.24 $0.00 $147.41 $26,398.50
108 $26,398.50 $180.24 $0.00 $149.26 $26,728.00
109 $26,728.00 $180.24 $0.00 $151.12 $27,059.36
110 $27,059.36 $180.24 $0.00 $153.00 $27,392.60
111 $27,392.60 $180.24 $0.00 $154.88 $27,727.72
112 $27,727.72 $180.24 $0.00 $156.78 $28,064.74
113 $28,064.74 $180.24 $0.00 $158.68 $28,403.66
114 $28,403.66 $180.24 $0.00 $160.60 $28,744.50
115 $28,744.50 $180.24 $0.00 $162.53 $29,087.27
116 $29,087.27 $180.24 $0.00 $164.46 $29,431.97
117 $29,431.97 $180.24 $0.00 $166.41 $29,778.62
118 $29,778.62 $180.24 $0.00 $168.37 $30,127.23
119 $30,127.23 $180.24 $0.00 $170.34 $30,477.81
120 $30,477.81 $180.24 $0.00 $172.33 $30,830.38
121 $30,830.38 $180.24 $0.00 $174.32 $31,184.94
122 $31,184.94 $180.24 $0.00 $176.32 $31,541.50
123 $31,541.50 $180.24 $0.00 $178.34 $31,900.08
124 $31,900.08 $180.24 $0.00 $180.37 $32,260.69
125 $32,260.69 $180.24 $0.00 $182.41 $32,623.34
126 $32,623.34 $180.24 $0.00 $184.46 $32,988.04
127 $32,988.04 $180.24 $0.00 $186.52 $33,354.80
128 $33,354.80 $180.24 $0.00 $188.59 $33,723.63
129 $33,723.63 $180.24 $0.00 $190.68 $34,094.55
130 $34,094.55 $180.24 $0.00 $192.78 $34,467.57
131 $34,467.57 $180.24 $0.00 $194.88 $34,842.69
132 $34,842.69 $180.24 $0.00 $197.01 $35,219.94
133 $35,219.94 $180.24 $0.00 $199.14 $35,599.32
134 $35,599.32 $180.24 $0.00 $201.28 $35,980.84
135 $35,980.84 $180.24 $0.00 $203.44 $36,364.52
136 $36,364.52 $180.24 $0.00 $205.61 $36,750.37
137 $36,750.37 $180.24 $0.00 $207.79 $37,138.40
138 $37,138.40 $180.24 $0.00 $209.99 $37,528.63
139 $37,528.63 $180.24 $0.00 $212.19 $37,921.06
140 $37,921.06 $180.24 $0.00 $214.41 $38,315.71
141 $38,315.71 $180.24 $0.00 $216.64 $38,712.59
142 $38,712.59 $180.24 $0.00 $218.89 $39,111.72
143 $39,111.72 $180.24 $0.00 $221.14 $39,513.10
144 $39,513.10 $180.24 $0.00 $223.41 $39,916.75
145 $39,916.75 $180.24 $0.00 $225.70 $40,322.69
146 $40,322.69 $180.24 $0.00 $227.99 $40,730.92
147 $40,730.92 $180.24 $0.00 $230.30 $41,141.46
148 $41,141.46 $180.24 $0.00 $232.62 $41,554.32
149 $41,554.32 $180.24 $0.00 $234.95 $41,969.51
150 $41,969.51 $180.24 $0.00 $237.30 $42,387.05
151 $42,387.05 $180.24 $0.00 $239.66 $42,806.95
152 $42,806.95 $180.24 $0.00 $242.04 $43,229.23
153 $43,229.23 $180.24 $0.00 $244.42 $43,653.89
154 $43,653.89 $180.24 $0.00 $246.83 $44,080.96
155 $44,080.96 $180.24 $0.00 $249.24 $44,510.44
156 $44,510.44 $180.24 $0.00 $251.67 $44,942.35
157 $44,942.35 $180.24 $0.00 $254.11 $45,376.70
158 $45,376.70 $180.24 $0.00 $256.57 $45,813.51
159 $45,813.51 $180.24 $0.00 $259.04 $46,252.79
160 $46,252.79 $180.24 $0.00 $261.52 $46,694.55
161 $46,694.55 $180.24 $0.00 $264.02 $47,138.81
162 $47,138.81 $180.24 $0.00 $266.53 $47,585.58
163 $47,585.58 $180.24 $0.00 $269.06 $48,034.88
164 $48,034.88 $180.24 $0.00 $271.60 $48,486.72
165 $48,486.72 $180.24 $0.00 $274.15 $48,941.11
166 $48,941.11 $180.24 $0.00 $276.72 $49,398.07
167 $49,398.07 $180.24 $0.00 $279.30 $49,857.61
168 $49,857.61 $180.24 $0.00 $281.90 $50,319.75
169 $50,319.75 $180.24 $0.00 $284.52 $50,784.51
170 $50,784.51 $180.24 $0.00 $287.14 $51,251.89
171 $51,251.89 $180.24 $0.00 $289.79 $51,721.92
172 $51,721.92 $180.24 $0.00 $292.44 $52,194.60
173 $52,194.60 $180.24 $0.00 $295.12 $52,669.96
174 $52,669.96 $180.24 $0.00 $297.80 $53,148.00
175 $53,148.00 $180.24 $0.00 $300.51 $53,628.75
176 $53,628.75 $180.24 $0.00 $303.22 $54,112.21
177 $54,112.21 $180.24 $0.00 $305.96 $54,598.41
178 $54,598.41 $180.24 $0.00 $308.71 $55,087.36
179 $55,087.36 $180.24 $0.00 $311.47 $55,579.07
180 $55,579.07 $180.24 $0.00 $314.25 $56,073.56
181 $56,073.56 $180.24 $0.00 $317.05 $56,570.85
182 $56,570.85 $180.24 $0.00 $319.86 $57,070.95
183 $57,070.95 $180.24 $0.00 $322.69 $57,573.88
184 $57,573.88 $180.24 $0.00 $325.53 $58,079.65
185 $58,079.65 $180.24 $0.00 $328.39 $58,588.28
186 $58,588.28 $180.24 $0.00 $331.27 $59,099.79
187 $59,099.79 $180.24 $0.00 $334.16 $59,614.19
188 $59,614.19 $180.24 $0.00 $337.07 $60,131.50
189 $60,131.50 $180.24 $0.00 $339.99 $60,651.73
190 $60,651.73 $180.24 $0.00 $342.93 $61,174.90
191 $61,174.90 $180.24 $0.00 $345.89 $61,701.03
192 $61,701.03 $180.24 $0.00 $348.87 $62,230.14
193 $62,230.14 $180.24 $0.00 $351.86 $62,762.24
194 $62,762.24 $180.24 $0.00 $354.87 $63,297.35
195 $63,297.35 $180.24 $0.00 $357.89 $63,835.48
196 $63,835.48 $180.24 $0.00 $360.94 $64,376.66
197 $64,376.66 $180.24 $0.00 $363.99 $64,920.89
198 $64,920.89 $180.24 $0.00 $367.07 $65,468.20
199 $65,468.20 $180.24 $0.00 $370.17 $66,018.61
200 $66,018.61 $180.24 $0.00 $373.28 $66,572.13
201 $66,572.13 $180.24 $0.00 $376.41 $67,128.78
202 $67,128.78 $180.24 $0.00 $379.56 $67,688.58
203 $67,688.58 $180.24 $0.00 $382.72 $68,251.54
204 $68,251.54 $180.24 $0.00 $385.90 $68,817.68
205 $68,817.68 $180.24 $0.00 $389.11 $69,387.03
206 $69,387.03 $180.24 $0.00 $392.32 $69,959.59
207 $69,959.59 $180.24 $0.00 $395.56 $70,535.39
208 $70,535.39 $180.24 $0.00 $398.82 $71,114.45
209 $71,114.45 $180.24 $0.00 $402.09 $71,696.78
210 $71,696.78 $180.24 $0.00 $405.38 $72,282.40
211 $72,282.40 $180.24 $0.00 $408.70 $72,871.34
212 $72,871.34 $180.24 $0.00 $412.03 $73,463.61
213 $73,463.61 $180.24 $0.00 $415.37 $74,059.22
214 $74,059.22 $180.24 $0.00 $418.74 $74,658.20
215 $74,658.20 $180.24 $0.00 $422.13 $75,260.57
216 $75,260.57 $180.24 $0.00 $425.53 $75,866.34
217 $75,866.34 $180.24 $39,564.82 $428.96 $36,910.72
218 $36,910.72 $180.24 $0.00 $208.70 $37,299.66
219 $37,299.66 $180.24 $0.00 $210.90 $37,690.80
220 $37,690.80 $180.24 $0.00 $213.11 $38,084.15
221 $38,084.15 $180.24 $0.00 $215.33 $38,479.72
222 $38,479.72 $180.24 $0.00 $217.57 $38,877.53
223 $38,877.53 $180.24 $0.00 $219.82 $39,277.59
224 $39,277.59 $180.24 $0.00 $222.08 $39,679.91
225 $39,679.91 $180.24 $0.00 $224.36 $40,084.51
226 $40,084.51 $180.24 $0.00 $226.64 $40,491.39
227 $40,491.39 $180.24 $0.00 $228.94 $40,900.57
228 $40,900.57 $180.24 $0.00 $231.26 $41,312.07
229 $41,312.07 $0.00 $41,543.06 $233.58 $2.59