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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2037$62,577
Monthly savings required$495

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 $250,306.75 for students enrolling in 2037 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $495.34 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$24,131.00
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 $495.34 $0.00 $0.00 $495.34
2 $495.34 $495.34 $0.00 $2.80 $993.48
3 $993.48 $495.34 $0.00 $5.62 $1,494.44
4 $1,494.44 $495.34 $0.00 $8.45 $1,998.23
5 $1,998.23 $495.34 $0.00 $11.30 $2,504.87
6 $2,504.87 $495.34 $0.00 $14.16 $3,014.37
7 $3,014.37 $495.34 $0.00 $17.04 $3,526.75
8 $3,526.75 $495.34 $0.00 $19.94 $4,042.03
9 $4,042.03 $495.34 $0.00 $22.85 $4,560.22
10 $4,560.22 $495.34 $0.00 $25.78 $5,081.34
11 $5,081.34 $495.34 $0.00 $28.73 $5,605.41
12 $5,605.41 $495.34 $0.00 $31.69 $6,132.44
13 $6,132.44 $495.34 $0.00 $34.67 $6,662.45
14 $6,662.45 $495.34 $0.00 $37.67 $7,195.46
15 $7,195.46 $495.34 $0.00 $40.68 $7,731.48
16 $7,731.48 $495.34 $0.00 $43.71 $8,270.53
17 $8,270.53 $495.34 $0.00 $46.76 $8,812.63
18 $8,812.63 $495.34 $0.00 $49.83 $9,357.80
19 $9,357.80 $495.34 $0.00 $52.91 $9,906.05
20 $9,906.05 $495.34 $0.00 $56.01 $10,457.40
21 $10,457.40 $495.34 $0.00 $59.13 $11,011.87
22 $11,011.87 $495.34 $0.00 $62.26 $11,569.47
23 $11,569.47 $495.34 $0.00 $65.42 $12,130.23
24 $12,130.23 $495.34 $0.00 $68.59 $12,694.16
25 $12,694.16 $495.34 $0.00 $71.77 $13,261.27
26 $13,261.27 $495.34 $0.00 $74.98 $13,831.59
27 $13,831.59 $495.34 $0.00 $78.21 $14,405.14
28 $14,405.14 $495.34 $0.00 $81.45 $14,981.93
29 $14,981.93 $495.34 $0.00 $84.71 $15,561.98
30 $15,561.98 $495.34 $0.00 $87.99 $16,145.31
31 $16,145.31 $495.34 $0.00 $91.29 $16,731.94
32 $16,731.94 $495.34 $0.00 $94.60 $17,321.88
33 $17,321.88 $495.34 $0.00 $97.94 $17,915.16
34 $17,915.16 $495.34 $0.00 $101.29 $18,511.79
35 $18,511.79 $495.34 $0.00 $104.67 $19,111.80
36 $19,111.80 $495.34 $0.00 $108.06 $19,715.20
37 $19,715.20 $495.34 $0.00 $111.47 $20,322.01
38 $20,322.01 $495.34 $0.00 $114.90 $20,932.25
39 $20,932.25 $495.34 $0.00 $118.35 $21,545.94
40 $21,545.94 $495.34 $0.00 $121.82 $22,163.10
41 $22,163.10 $495.34 $0.00 $125.31 $22,783.75
42 $22,783.75 $495.34 $0.00 $128.82 $23,407.91
43 $23,407.91 $495.34 $0.00 $132.35 $24,035.60
44 $24,035.60 $495.34 $0.00 $135.90 $24,666.84
45 $24,666.84 $495.34 $0.00 $139.47 $25,301.65
46 $25,301.65 $495.34 $0.00 $143.06 $25,940.05
47 $25,940.05 $495.34 $0.00 $146.67 $26,582.06
48 $26,582.06 $495.34 $0.00 $150.30 $27,227.70
49 $27,227.70 $495.34 $0.00 $153.95 $27,876.99
50 $27,876.99 $495.34 $0.00 $157.62 $28,529.95
51 $28,529.95 $495.34 $0.00 $161.31 $29,186.60
52 $29,186.60 $495.34 $0.00 $165.03 $29,846.97
53 $29,846.97 $495.34 $0.00 $168.76 $30,511.07
54 $30,511.07 $495.34 $0.00 $172.51 $31,178.92
55 $31,178.92 $495.34 $0.00 $176.29 $31,850.55
56 $31,850.55 $495.34 $0.00 $180.09 $32,525.98
57 $32,525.98 $495.34 $0.00 $183.91 $33,205.23
58 $33,205.23 $495.34 $0.00 $187.75 $33,888.32
59 $33,888.32 $495.34 $0.00 $191.61 $34,575.27
60 $34,575.27 $495.34 $0.00 $195.49 $35,266.10
61 $35,266.10 $495.34 $0.00 $199.40 $35,960.84
62 $35,960.84 $495.34 $0.00 $203.33 $36,659.51
63 $36,659.51 $495.34 $0.00 $207.28 $37,362.13
64 $37,362.13 $495.34 $0.00 $211.25 $38,068.72
65 $38,068.72 $495.34 $0.00 $215.25 $38,779.31
66 $38,779.31 $495.34 $0.00 $219.26 $39,493.91
67 $39,493.91 $495.34 $0.00 $223.30 $40,212.55
68 $40,212.55 $495.34 $0.00 $227.37 $40,935.26
69 $40,935.26 $495.34 $0.00 $231.45 $41,662.05
70 $41,662.05 $495.34 $0.00 $235.56 $42,392.95
71 $42,392.95 $495.34 $0.00 $239.70 $43,127.99
72 $43,127.99 $495.34 $0.00 $243.85 $43,867.18
73 $43,867.18 $495.34 $0.00 $248.03 $44,610.55
74 $44,610.55 $495.34 $0.00 $252.23 $45,358.12
75 $45,358.12 $495.34 $0.00 $256.46 $46,109.92
76 $46,109.92 $495.34 $0.00 $260.71 $46,865.97
77 $46,865.97 $495.34 $0.00 $264.99 $47,626.30
78 $47,626.30 $495.34 $0.00 $269.29 $48,390.93
79 $48,390.93 $495.34 $0.00 $273.61 $49,159.88
80 $49,159.88 $495.34 $0.00 $277.96 $49,933.18
81 $49,933.18 $495.34 $0.00 $282.33 $50,710.85
82 $50,710.85 $495.34 $0.00 $286.73 $51,492.92
83 $51,492.92 $495.34 $0.00 $291.15 $52,279.41
84 $52,279.41 $495.34 $0.00 $295.60 $53,070.35
85 $53,070.35 $495.34 $0.00 $300.07 $53,865.76
86 $53,865.76 $495.34 $0.00 $304.56 $54,665.66
87 $54,665.66 $495.34 $0.00 $309.09 $55,470.09
88 $55,470.09 $495.34 $0.00 $313.64 $56,279.07
89 $56,279.07 $495.34 $0.00 $318.21 $57,092.62
90 $57,092.62 $495.34 $0.00 $322.81 $57,910.77
91 $57,910.77 $495.34 $0.00 $327.44 $58,733.55
92 $58,733.55 $495.34 $0.00 $332.09 $59,560.98
93 $59,560.98 $495.34 $0.00 $336.77 $60,393.09
94 $60,393.09 $495.34 $0.00 $341.47 $61,229.90
95 $61,229.90 $495.34 $0.00 $346.20 $62,071.44
96 $62,071.44 $495.34 $0.00 $350.96 $62,917.74
97 $62,917.74 $495.34 $0.00 $355.75 $63,768.83
98 $63,768.83 $495.34 $0.00 $360.56 $64,624.73
99 $64,624.73 $495.34 $0.00 $365.40 $65,485.47
100 $65,485.47 $495.34 $0.00 $370.26 $66,351.07
101 $66,351.07 $495.34 $0.00 $375.16 $67,221.57
102 $67,221.57 $495.34 $0.00 $380.08 $68,096.99
103 $68,096.99 $495.34 $0.00 $385.03 $68,977.36
104 $68,977.36 $495.34 $0.00 $390.01 $69,862.71
105 $69,862.71 $495.34 $0.00 $395.01 $70,753.06
106 $70,753.06 $495.34 $0.00 $400.05 $71,648.45
107 $71,648.45 $495.34 $0.00 $405.11 $72,548.90
108 $72,548.90 $495.34 $0.00 $410.20 $73,454.44
109 $73,454.44 $495.34 $0.00 $415.32 $74,365.10
110 $74,365.10 $495.34 $0.00 $420.47 $75,280.91
111 $75,280.91 $495.34 $0.00 $425.65 $76,201.90
112 $76,201.90 $495.34 $0.00 $430.86 $77,128.10
113 $77,128.10 $495.34 $0.00 $436.09 $78,059.53
114 $78,059.53 $495.34 $0.00 $441.36 $78,996.23
115 $78,996.23 $495.34 $0.00 $446.66 $79,938.23
116 $79,938.23 $495.34 $0.00 $451.98 $80,885.55
117 $80,885.55 $495.34 $0.00 $457.34 $81,838.23
118 $81,838.23 $495.34 $0.00 $462.73 $82,796.30
119 $82,796.30 $495.34 $0.00 $468.14 $83,759.78
120 $83,759.78 $495.34 $0.00 $473.59 $84,728.71
121 $84,728.71 $495.34 $0.00 $479.07 $85,703.12
122 $85,703.12 $495.34 $0.00 $484.58 $86,683.04
123 $86,683.04 $495.34 $0.00 $490.12 $87,668.50
124 $87,668.50 $495.34 $0.00 $495.69 $88,659.53
125 $88,659.53 $495.34 $0.00 $501.29 $89,656.16
126 $89,656.16 $495.34 $0.00 $506.93 $90,658.43
127 $90,658.43 $495.34 $0.00 $512.60 $91,666.37
128 $91,666.37 $495.34 $0.00 $518.29 $92,680.00
129 $92,680.00 $495.34 $0.00 $524.03 $93,699.37
130 $93,699.37 $495.34 $0.00 $529.79 $94,724.50
131 $94,724.50 $495.34 $0.00 $535.59 $95,755.43
132 $95,755.43 $495.34 $0.00 $541.42 $96,792.19
133 $96,792.19 $495.34 $0.00 $547.28 $97,834.81
134 $97,834.81 $495.34 $0.00 $553.17 $98,883.32
135 $98,883.32 $495.34 $0.00 $559.10 $99,937.76
136 $99,937.76 $495.34 $0.00 $565.06 $100,998.16
137 $100,998.16 $495.34 $0.00 $571.06 $102,064.56
138 $102,064.56 $495.34 $0.00 $577.09 $103,136.99
139 $103,136.99 $495.34 $0.00 $583.15 $104,215.48
140 $104,215.48 $495.34 $0.00 $589.25 $105,300.07
141 $105,300.07 $495.34 $0.00 $595.38 $106,390.79
142 $106,390.79 $495.34 $0.00 $601.55 $107,487.68
143 $107,487.68 $495.34 $0.00 $607.75 $108,590.77
144 $108,590.77 $495.34 $0.00 $613.99 $109,700.10
145 $109,700.10 $495.34 $0.00 $620.26 $110,815.70
146 $110,815.70 $495.34 $0.00 $626.57 $111,937.61
147 $111,937.61 $495.34 $0.00 $632.91 $113,065.86
148 $113,065.86 $495.34 $0.00 $639.29 $114,200.49
149 $114,200.49 $495.34 $0.00 $645.71 $115,341.54
150 $115,341.54 $495.34 $0.00 $652.16 $116,489.04
151 $116,489.04 $495.34 $0.00 $658.65 $117,643.03
152 $117,643.03 $495.34 $0.00 $665.17 $118,803.54
153 $118,803.54 $495.34 $0.00 $671.73 $119,970.61
154 $119,970.61 $495.34 $0.00 $678.33 $121,144.28
155 $121,144.28 $495.34 $0.00 $684.97 $122,324.59
156 $122,324.59 $495.34 $0.00 $691.64 $123,511.57
157 $123,511.57 $495.34 $0.00 $698.35 $124,705.26
158 $124,705.26 $495.34 $0.00 $705.10 $125,905.70
159 $125,905.70 $495.34 $0.00 $711.89 $127,112.93
160 $127,112.93 $495.34 $0.00 $718.71 $128,326.98
161 $128,326.98 $495.34 $0.00 $725.58 $129,547.90
162 $129,547.90 $495.34 $0.00 $732.48 $130,775.72
163 $130,775.72 $495.34 $0.00 $739.42 $132,010.48
164 $132,010.48 $495.34 $0.00 $746.41 $133,252.23
165 $133,252.23 $495.34 $0.00 $753.43 $134,501.00
166 $134,501.00 $495.34 $0.00 $760.49 $135,756.83
167 $135,756.83 $495.34 $0.00 $767.59 $137,019.76
168 $137,019.76 $495.34 $0.00 $774.73 $138,289.83
169 $138,289.83 $495.34 $0.00 $781.91 $139,567.08
170 $139,567.08 $495.34 $0.00 $789.13 $140,851.55
171 $140,851.55 $495.34 $0.00 $796.40 $142,143.29
172 $142,143.29 $495.34 $0.00 $803.70 $143,442.33
173 $143,442.33 $495.34 $0.00 $811.04 $144,748.71
174 $144,748.71 $495.34 $0.00 $818.43 $146,062.48
175 $146,062.48 $495.34 $0.00 $825.86 $147,383.68
176 $147,383.68 $495.34 $0.00 $833.33 $148,712.35
177 $148,712.35 $495.34 $0.00 $840.84 $150,048.53
178 $150,048.53 $495.34 $0.00 $848.40 $151,392.27
179 $151,392.27 $495.34 $0.00 $855.99 $152,743.60
180 $152,743.60 $495.34 $0.00 $863.63 $154,102.57
181 $154,102.57 $495.34 $0.00 $871.32 $155,469.23
182 $155,469.23 $495.34 $0.00 $879.05 $156,843.62
183 $156,843.62 $495.34 $0.00 $886.82 $158,225.78
184 $158,225.78 $495.34 $0.00 $894.63 $159,615.75
185 $159,615.75 $495.34 $0.00 $902.49 $161,013.58
186 $161,013.58 $495.34 $0.00 $910.39 $162,419.31
187 $162,419.31 $495.34 $0.00 $918.34 $163,832.99
188 $163,832.99 $495.34 $0.00 $926.34 $165,254.67
189 $165,254.67 $495.34 $0.00 $934.37 $166,684.38
190 $166,684.38 $495.34 $0.00 $942.46 $168,122.18
191 $168,122.18 $495.34 $0.00 $950.59 $169,568.11
192 $169,568.11 $495.34 $0.00 $958.76 $171,022.21
193 $171,022.21 $495.34 $0.00 $966.98 $172,484.53
194 $172,484.53 $495.34 $0.00 $975.25 $173,955.12
195 $173,955.12 $495.34 $0.00 $983.57 $175,434.03
196 $175,434.03 $495.34 $0.00 $991.93 $176,921.30
197 $176,921.30 $495.34 $0.00 $1,000.34 $178,416.98
198 $178,416.98 $495.34 $0.00 $1,008.80 $179,921.12
199 $179,921.12 $495.34 $0.00 $1,017.30 $181,433.76
200 $181,433.76 $495.34 $0.00 $1,025.85 $182,954.95
201 $182,954.95 $495.34 $0.00 $1,034.45 $184,484.74
202 $184,484.74 $495.34 $0.00 $1,043.10 $186,023.18
203 $186,023.18 $495.34 $0.00 $1,051.80 $187,570.32
204 $187,570.32 $495.34 $0.00 $1,060.55 $189,126.21
205 $189,126.21 $495.34 $0.00 $1,069.35 $190,690.90
206 $190,690.90 $495.34 $0.00 $1,078.19 $192,264.43
207 $192,264.43 $495.34 $0.00 $1,087.09 $193,846.86
208 $193,846.86 $495.34 $0.00 $1,096.04 $195,438.24
209 $195,438.24 $495.34 $0.00 $1,105.04 $197,038.62
210 $197,038.62 $495.34 $0.00 $1,114.09 $198,648.05
211 $198,648.05 $495.34 $0.00 $1,123.18 $200,266.57
212 $200,266.57 $495.34 $0.00 $1,132.34 $201,894.25
213 $201,894.25 $495.34 $0.00 $1,141.54 $203,531.13
214 $203,531.13 $495.34 $0.00 $1,150.79 $205,177.26
215 $205,177.26 $495.34 $0.00 $1,160.10 $206,832.70
216 $206,832.70 $495.34 $0.00 $1,169.46 $208,497.50
217 $208,497.50 $495.34 $58,074.13 $1,178.88 $152,097.59
218 $152,097.59 $495.34 $0.00 $859.98 $153,452.91
219 $153,452.91 $495.34 $0.00 $867.65 $154,815.90
220 $154,815.90 $495.34 $0.00 $875.35 $156,186.59
221 $156,186.59 $495.34 $0.00 $883.10 $157,565.03
222 $157,565.03 $495.34 $0.00 $890.90 $158,951.27
223 $158,951.27 $495.34 $0.00 $898.73 $160,345.34
224 $160,345.34 $495.34 $0.00 $906.62 $161,747.30
225 $161,747.30 $495.34 $0.00 $914.54 $163,157.18
226 $163,157.18 $495.34 $0.00 $922.51 $164,575.03
227 $164,575.03 $495.34 $0.00 $930.53 $166,000.90
228 $166,000.90 $495.34 $0.00 $938.59 $167,434.83
229 $167,434.83 $495.34 $60,977.84 $946.70 $107,899.03
230 $107,899.03 $495.34 $0.00 $610.08 $109,004.45
231 $109,004.45 $495.34 $0.00 $616.33 $110,116.12
232 $110,116.12 $495.34 $0.00 $622.61 $111,234.07
233 $111,234.07 $495.34 $0.00 $628.93 $112,358.34
234 $112,358.34 $495.34 $0.00 $635.29 $113,488.97
235 $113,488.97 $495.34 $0.00 $641.68 $114,625.99
236 $114,625.99 $495.34 $0.00 $648.11 $115,769.44
237 $115,769.44 $495.34 $0.00 $654.58 $116,919.36
238 $116,919.36 $495.34 $0.00 $661.08 $118,075.78
239 $118,075.78 $495.34 $0.00 $667.62 $119,238.74
240 $119,238.74 $495.34 $0.00 $674.19 $120,408.27
241 $120,408.27 $495.34 $64,026.73 $680.81 $57,557.69
242 $57,557.69 $495.34 $0.00 $325.44 $58,378.47
243 $58,378.47 $495.34 $0.00 $330.08 $59,203.89
244 $59,203.89 $495.34 $0.00 $334.75 $60,033.98
245 $60,033.98 $495.34 $0.00 $339.44 $60,868.76
246 $60,868.76 $495.34 $0.00 $344.16 $61,708.26
247 $61,708.26 $495.34 $0.00 $348.91 $62,552.51
248 $62,552.51 $495.34 $0.00 $353.68 $63,401.53
249 $63,401.53 $495.34 $0.00 $358.48 $64,255.35
250 $64,255.35 $495.34 $0.00 $363.31 $65,114.00
251 $65,114.00 $495.34 $0.00 $368.16 $65,977.50
252 $65,977.50 $495.34 $0.00 $373.05 $66,845.89
253 $66,845.89 $0.00 $67,228.06 $377.96 ($4.21)