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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$64,260
Monthly savings required$509

How much will it cost to send your child to SUNY College at Oswego in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $257,038.72 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $508.67 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$24,780.00
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 $508.67 $0.00 $0.00 $508.67
2 $508.67 $508.67 $0.00 $2.88 $1,020.22
3 $1,020.22 $508.67 $0.00 $5.77 $1,534.66
4 $1,534.66 $508.67 $0.00 $8.68 $2,052.01
5 $2,052.01 $508.67 $0.00 $11.60 $2,572.28
6 $2,572.28 $508.67 $0.00 $14.54 $3,095.49
7 $3,095.49 $508.67 $0.00 $17.50 $3,621.66
8 $3,621.66 $508.67 $0.00 $20.48 $4,150.81
9 $4,150.81 $508.67 $0.00 $23.47 $4,682.95
10 $4,682.95 $508.67 $0.00 $26.48 $5,218.10
11 $5,218.10 $508.67 $0.00 $29.50 $5,756.27
12 $5,756.27 $508.67 $0.00 $32.55 $6,297.49
13 $6,297.49 $508.67 $0.00 $35.61 $6,841.77
14 $6,841.77 $508.67 $0.00 $38.68 $7,389.12
15 $7,389.12 $508.67 $0.00 $41.78 $7,939.57
16 $7,939.57 $508.67 $0.00 $44.89 $8,493.13
17 $8,493.13 $508.67 $0.00 $48.02 $9,049.82
18 $9,049.82 $508.67 $0.00 $51.17 $9,609.66
19 $9,609.66 $508.67 $0.00 $54.33 $10,172.66
20 $10,172.66 $508.67 $0.00 $57.52 $10,738.85
21 $10,738.85 $508.67 $0.00 $60.72 $11,308.24
22 $11,308.24 $508.67 $0.00 $63.94 $11,880.85
23 $11,880.85 $508.67 $0.00 $67.18 $12,456.70
24 $12,456.70 $508.67 $0.00 $70.43 $13,035.80
25 $13,035.80 $508.67 $0.00 $73.71 $13,618.18
26 $13,618.18 $508.67 $0.00 $77.00 $14,203.85
27 $14,203.85 $508.67 $0.00 $80.31 $14,792.83
28 $14,792.83 $508.67 $0.00 $83.64 $15,385.14
29 $15,385.14 $508.67 $0.00 $86.99 $15,980.80
30 $15,980.80 $508.67 $0.00 $90.36 $16,579.83
31 $16,579.83 $508.67 $0.00 $93.74 $17,182.24
32 $17,182.24 $508.67 $0.00 $97.15 $17,788.06
33 $17,788.06 $508.67 $0.00 $100.58 $18,397.31
34 $18,397.31 $508.67 $0.00 $104.02 $19,010.00
35 $19,010.00 $508.67 $0.00 $107.49 $19,626.16
36 $19,626.16 $508.67 $0.00 $110.97 $20,245.80
37 $20,245.80 $508.67 $0.00 $114.47 $20,868.94
38 $20,868.94 $508.67 $0.00 $118.00 $21,495.61
39 $21,495.61 $508.67 $0.00 $121.54 $22,125.82
40 $22,125.82 $508.67 $0.00 $125.10 $22,759.59
41 $22,759.59 $508.67 $0.00 $128.69 $23,396.95
42 $23,396.95 $508.67 $0.00 $132.29 $24,037.91
43 $24,037.91 $508.67 $0.00 $135.91 $24,682.49
44 $24,682.49 $508.67 $0.00 $139.56 $25,330.72
45 $25,330.72 $508.67 $0.00 $143.22 $25,982.61
46 $25,982.61 $508.67 $0.00 $146.91 $26,638.19
47 $26,638.19 $508.67 $0.00 $150.62 $27,297.48
48 $27,297.48 $508.67 $0.00 $154.34 $27,960.49
49 $27,960.49 $508.67 $0.00 $158.09 $28,627.25
50 $28,627.25 $508.67 $0.00 $161.86 $29,297.78
51 $29,297.78 $508.67 $0.00 $165.65 $29,972.10
52 $29,972.10 $508.67 $0.00 $169.47 $30,650.24
53 $30,650.24 $508.67 $0.00 $173.30 $31,332.21
54 $31,332.21 $508.67 $0.00 $177.16 $32,018.04
55 $32,018.04 $508.67 $0.00 $181.03 $32,707.74
56 $32,707.74 $508.67 $0.00 $184.93 $33,401.34
57 $33,401.34 $508.67 $0.00 $188.86 $34,098.87
58 $34,098.87 $508.67 $0.00 $192.80 $34,800.34
59 $34,800.34 $508.67 $0.00 $196.77 $35,505.78
60 $35,505.78 $508.67 $0.00 $200.75 $36,215.20
61 $36,215.20 $508.67 $0.00 $204.77 $36,928.64
62 $36,928.64 $508.67 $0.00 $208.80 $37,646.11
63 $37,646.11 $508.67 $0.00 $212.86 $38,367.64
64 $38,367.64 $508.67 $0.00 $216.94 $39,093.25
65 $39,093.25 $508.67 $0.00 $221.04 $39,822.96
66 $39,822.96 $508.67 $0.00 $225.16 $40,556.79
67 $40,556.79 $508.67 $0.00 $229.31 $41,294.77
68 $41,294.77 $508.67 $0.00 $233.49 $42,036.93
69 $42,036.93 $508.67 $0.00 $237.68 $42,783.28
70 $42,783.28 $508.67 $0.00 $241.90 $43,533.85
71 $43,533.85 $508.67 $0.00 $246.15 $44,288.67
72 $44,288.67 $508.67 $0.00 $250.41 $45,047.75
73 $45,047.75 $508.67 $0.00 $254.71 $45,811.13
74 $45,811.13 $508.67 $0.00 $259.02 $46,578.82
75 $46,578.82 $508.67 $0.00 $263.36 $47,350.85
76 $47,350.85 $508.67 $0.00 $267.73 $48,127.25
77 $48,127.25 $508.67 $0.00 $272.12 $48,908.04
78 $48,908.04 $508.67 $0.00 $276.53 $49,693.24
79 $49,693.24 $508.67 $0.00 $280.97 $50,482.88
80 $50,482.88 $508.67 $0.00 $285.44 $51,276.99
81 $51,276.99 $508.67 $0.00 $289.93 $52,075.59
82 $52,075.59 $508.67 $0.00 $294.44 $52,878.70
83 $52,878.70 $508.67 $0.00 $298.98 $53,686.35
84 $53,686.35 $508.67 $0.00 $303.55 $54,498.57
85 $54,498.57 $508.67 $0.00 $308.14 $55,315.38
86 $55,315.38 $508.67 $0.00 $312.76 $56,136.81
87 $56,136.81 $508.67 $0.00 $317.41 $56,962.89
88 $56,962.89 $508.67 $0.00 $322.08 $57,793.64
89 $57,793.64 $508.67 $0.00 $326.77 $58,629.08
90 $58,629.08 $508.67 $0.00 $331.50 $59,469.25
91 $59,469.25 $508.67 $0.00 $336.25 $60,314.17
92 $60,314.17 $508.67 $0.00 $341.03 $61,163.87
93 $61,163.87 $508.67 $0.00 $345.83 $62,018.37
94 $62,018.37 $508.67 $0.00 $350.66 $62,877.70
95 $62,877.70 $508.67 $0.00 $355.52 $63,741.89
96 $63,741.89 $508.67 $0.00 $360.41 $64,610.97
97 $64,610.97 $508.67 $0.00 $365.32 $65,484.96
98 $65,484.96 $508.67 $0.00 $370.26 $66,363.89
99 $66,363.89 $508.67 $0.00 $375.23 $67,247.79
100 $67,247.79 $508.67 $0.00 $380.23 $68,136.69
101 $68,136.69 $508.67 $0.00 $385.25 $69,030.61
102 $69,030.61 $508.67 $0.00 $390.31 $69,929.59
103 $69,929.59 $508.67 $0.00 $395.39 $70,833.65
104 $70,833.65 $508.67 $0.00 $400.50 $71,742.82
105 $71,742.82 $508.67 $0.00 $405.64 $72,657.13
106 $72,657.13 $508.67 $0.00 $410.81 $73,576.61
107 $73,576.61 $508.67 $0.00 $416.01 $74,501.29
108 $74,501.29 $508.67 $0.00 $421.24 $75,431.20
109 $75,431.20 $508.67 $0.00 $426.50 $76,366.37
110 $76,366.37 $508.67 $0.00 $431.79 $77,306.83
111 $77,306.83 $508.67 $0.00 $437.10 $78,252.60
112 $78,252.60 $508.67 $0.00 $442.45 $79,203.72
113 $79,203.72 $508.67 $0.00 $447.83 $80,160.22
114 $80,160.22 $508.67 $0.00 $453.24 $81,122.13
115 $81,122.13 $508.67 $0.00 $458.68 $82,089.48
116 $82,089.48 $508.67 $0.00 $464.15 $83,062.30
117 $83,062.30 $508.67 $0.00 $469.65 $84,040.62
118 $84,040.62 $508.67 $0.00 $475.18 $85,024.47
119 $85,024.47 $508.67 $0.00 $480.74 $86,013.88
120 $86,013.88 $508.67 $0.00 $486.33 $87,008.88
121 $87,008.88 $508.67 $0.00 $491.96 $88,009.51
122 $88,009.51 $508.67 $0.00 $497.62 $89,015.80
123 $89,015.80 $508.67 $0.00 $503.31 $90,027.78
124 $90,027.78 $508.67 $0.00 $509.03 $91,045.48
125 $91,045.48 $508.67 $0.00 $514.78 $92,068.93
126 $92,068.93 $508.67 $0.00 $520.57 $93,098.17
127 $93,098.17 $508.67 $0.00 $526.39 $94,133.23
128 $94,133.23 $508.67 $0.00 $532.24 $95,174.14
129 $95,174.14 $508.67 $0.00 $538.13 $96,220.94
130 $96,220.94 $508.67 $0.00 $544.05 $97,273.66
131 $97,273.66 $508.67 $0.00 $550.00 $98,332.33
132 $98,332.33 $508.67 $0.00 $555.99 $99,396.99
133 $99,396.99 $508.67 $0.00 $562.01 $100,467.67
134 $100,467.67 $508.67 $0.00 $568.06 $101,544.40
135 $101,544.40 $508.67 $0.00 $574.15 $102,627.22
136 $102,627.22 $508.67 $0.00 $580.27 $103,716.16
137 $103,716.16 $508.67 $0.00 $586.43 $104,811.26
138 $104,811.26 $508.67 $0.00 $592.62 $105,912.55
139 $105,912.55 $508.67 $0.00 $598.84 $107,020.06
140 $107,020.06 $508.67 $0.00 $605.11 $108,133.84
141 $108,133.84 $508.67 $0.00 $611.40 $109,253.91
142 $109,253.91 $508.67 $0.00 $617.74 $110,380.32
143 $110,380.32 $508.67 $0.00 $624.11 $111,513.10
144 $111,513.10 $508.67 $0.00 $630.51 $112,652.28
145 $112,652.28 $508.67 $0.00 $636.95 $113,797.90
146 $113,797.90 $508.67 $0.00 $643.43 $114,950.00
147 $114,950.00 $508.67 $0.00 $649.94 $116,108.61
148 $116,108.61 $508.67 $0.00 $656.49 $117,273.77
149 $117,273.77 $508.67 $0.00 $663.08 $118,445.52
150 $118,445.52 $508.67 $0.00 $669.71 $119,623.90
151 $119,623.90 $508.67 $0.00 $676.37 $120,808.94
152 $120,808.94 $508.67 $0.00 $683.07 $122,000.68
153 $122,000.68 $508.67 $0.00 $689.81 $123,199.16
154 $123,199.16 $508.67 $0.00 $696.59 $124,404.42
155 $124,404.42 $508.67 $0.00 $703.40 $125,616.49
156 $125,616.49 $508.67 $0.00 $710.25 $126,835.41
157 $126,835.41 $508.67 $0.00 $717.15 $128,061.23
158 $128,061.23 $508.67 $0.00 $724.08 $129,293.98
159 $129,293.98 $508.67 $0.00 $731.05 $130,533.70
160 $130,533.70 $508.67 $0.00 $738.06 $131,780.43
161 $131,780.43 $508.67 $0.00 $745.11 $133,034.21
162 $133,034.21 $508.67 $0.00 $752.19 $134,295.07
163 $134,295.07 $508.67 $0.00 $759.32 $135,563.06
164 $135,563.06 $508.67 $0.00 $766.49 $136,838.22
165 $136,838.22 $508.67 $0.00 $773.70 $138,120.59
166 $138,120.59 $508.67 $0.00 $780.95 $139,410.21
167 $139,410.21 $508.67 $0.00 $788.25 $140,707.13
168 $140,707.13 $508.67 $0.00 $795.58 $142,011.38
169 $142,011.38 $508.67 $0.00 $802.95 $143,323.00
170 $143,323.00 $508.67 $0.00 $810.37 $144,642.04
171 $144,642.04 $508.67 $0.00 $817.83 $145,968.54
172 $145,968.54 $508.67 $0.00 $825.33 $147,302.54
173 $147,302.54 $508.67 $0.00 $832.87 $148,644.08
174 $148,644.08 $508.67 $0.00 $840.46 $149,993.21
175 $149,993.21 $508.67 $0.00 $848.08 $151,349.96
176 $151,349.96 $508.67 $0.00 $855.75 $152,714.38
177 $152,714.38 $508.67 $0.00 $863.47 $154,086.52
178 $154,086.52 $508.67 $0.00 $871.23 $155,466.42
179 $155,466.42 $508.67 $0.00 $879.03 $156,854.12
180 $156,854.12 $508.67 $0.00 $886.88 $158,249.67
181 $158,249.67 $508.67 $0.00 $894.77 $159,653.11
182 $159,653.11 $508.67 $0.00 $902.70 $161,064.48
183 $161,064.48 $508.67 $0.00 $910.68 $162,483.83
184 $162,483.83 $508.67 $0.00 $918.71 $163,911.21
185 $163,911.21 $508.67 $0.00 $926.78 $165,346.66
186 $165,346.66 $508.67 $0.00 $934.89 $166,790.22
187 $166,790.22 $508.67 $0.00 $943.06 $168,241.95
188 $168,241.95 $508.67 $0.00 $951.26 $169,701.88
189 $169,701.88 $508.67 $0.00 $959.52 $171,170.07
190 $171,170.07 $508.67 $0.00 $967.82 $172,646.56
191 $172,646.56 $508.67 $0.00 $976.17 $174,131.40
192 $174,131.40 $508.67 $0.00 $984.56 $175,624.63
193 $175,624.63 $508.67 $0.00 $993.01 $177,126.31
194 $177,126.31 $508.67 $0.00 $1,001.50 $178,636.48
195 $178,636.48 $508.67 $0.00 $1,010.04 $180,155.19
196 $180,155.19 $508.67 $0.00 $1,018.62 $181,682.48
197 $181,682.48 $508.67 $0.00 $1,027.26 $183,218.41
198 $183,218.41 $508.67 $0.00 $1,035.94 $184,763.02
199 $184,763.02 $508.67 $0.00 $1,044.68 $186,316.37
200 $186,316.37 $508.67 $0.00 $1,053.46 $187,878.50
201 $187,878.50 $508.67 $0.00 $1,062.29 $189,449.46
202 $189,449.46 $508.67 $0.00 $1,071.17 $191,029.30
203 $191,029.30 $508.67 $0.00 $1,080.11 $192,618.08
204 $192,618.08 $508.67 $0.00 $1,089.09 $194,215.84
205 $194,215.84 $508.67 $0.00 $1,098.12 $195,822.63
206 $195,822.63 $508.67 $0.00 $1,107.21 $197,438.51
207 $197,438.51 $508.67 $0.00 $1,116.35 $199,063.53
208 $199,063.53 $508.67 $0.00 $1,125.53 $200,697.73
209 $200,697.73 $508.67 $0.00 $1,134.77 $202,341.17
210 $202,341.17 $508.67 $0.00 $1,144.07 $203,993.91
211 $203,993.91 $508.67 $0.00 $1,153.41 $205,655.99
212 $205,655.99 $508.67 $0.00 $1,162.81 $207,327.47
213 $207,327.47 $508.67 $0.00 $1,172.26 $209,008.40
214 $209,008.40 $508.67 $0.00 $1,181.76 $210,698.83
215 $210,698.83 $508.67 $0.00 $1,191.32 $212,398.82
216 $212,398.82 $508.67 $0.00 $1,200.93 $214,108.42
217 $214,108.42 $508.67 $59,636.02 $1,210.60 $156,191.67
218 $156,191.67 $508.67 $0.00 $883.13 $157,583.47
219 $157,583.47 $508.67 $0.00 $891.00 $158,983.14
220 $158,983.14 $508.67 $0.00 $898.91 $160,390.72
221 $160,390.72 $508.67 $0.00 $906.87 $161,806.26
222 $161,806.26 $508.67 $0.00 $914.88 $163,229.81
223 $163,229.81 $508.67 $0.00 $922.93 $164,661.41
224 $164,661.41 $508.67 $0.00 $931.02 $166,101.10
225 $166,101.10 $508.67 $0.00 $939.16 $167,548.93
226 $167,548.93 $508.67 $0.00 $947.35 $169,004.95
227 $169,004.95 $508.67 $0.00 $955.58 $170,469.20
228 $170,469.20 $508.67 $0.00 $963.86 $171,941.73
229 $171,941.73 $508.67 $62,617.83 $972.18 $110,804.75
230 $110,804.75 $508.67 $0.00 $626.51 $111,939.93
231 $111,939.93 $508.67 $0.00 $632.92 $113,081.52
232 $113,081.52 $508.67 $0.00 $639.38 $114,229.57
233 $114,229.57 $508.67 $0.00 $645.87 $115,384.11
234 $115,384.11 $508.67 $0.00 $652.40 $116,545.18
235 $116,545.18 $508.67 $0.00 $658.96 $117,712.81
236 $117,712.81 $508.67 $0.00 $665.57 $118,887.05
237 $118,887.05 $508.67 $0.00 $672.20 $120,067.92
238 $120,067.92 $508.67 $0.00 $678.88 $121,255.47
239 $121,255.47 $508.67 $0.00 $685.60 $122,449.74
240 $122,449.74 $508.67 $0.00 $692.35 $123,650.76
241 $123,650.76 $508.67 $65,748.72 $699.14 $59,109.85
242 $59,109.85 $508.67 $0.00 $334.22 $59,952.74
243 $59,952.74 $508.67 $0.00 $338.98 $60,800.39
244 $60,800.39 $508.67 $0.00 $343.77 $61,652.83
245 $61,652.83 $508.67 $0.00 $348.59 $62,510.09
246 $62,510.09 $508.67 $0.00 $353.44 $63,372.20
247 $63,372.20 $508.67 $0.00 $358.32 $64,239.19
248 $64,239.19 $508.67 $0.00 $363.22 $65,111.08
249 $65,111.08 $508.67 $0.00 $368.15 $65,987.90
250 $65,987.90 $508.67 $0.00 $373.11 $66,869.68
251 $66,869.68 $508.67 $0.00 $378.09 $67,756.44
252 $67,756.44 $508.67 $0.00 $383.10 $68,648.21
253 $68,648.21 $0.00 $69,036.15 $388.15 $0.21