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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$55,082
Monthly savings required$436

How much will it cost to send your child to Southwestern Oklahoma State University in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $220,329.28 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $436.02 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$21,241.00
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 $436.02 $0.00 $0.00 $436.02
2 $436.02 $436.02 $0.00 $2.47 $874.51
3 $874.51 $436.02 $0.00 $4.94 $1,315.47
4 $1,315.47 $436.02 $0.00 $7.44 $1,758.93
5 $1,758.93 $436.02 $0.00 $9.95 $2,204.90
6 $2,204.90 $436.02 $0.00 $12.47 $2,653.39
7 $2,653.39 $436.02 $0.00 $15.00 $3,104.41
8 $3,104.41 $436.02 $0.00 $17.55 $3,557.98
9 $3,557.98 $436.02 $0.00 $20.12 $4,014.12
10 $4,014.12 $436.02 $0.00 $22.70 $4,472.84
11 $4,472.84 $436.02 $0.00 $25.29 $4,934.15
12 $4,934.15 $436.02 $0.00 $27.90 $5,398.07
13 $5,398.07 $436.02 $0.00 $30.52 $5,864.61
14 $5,864.61 $436.02 $0.00 $33.16 $6,333.79
15 $6,333.79 $436.02 $0.00 $35.81 $6,805.62
16 $6,805.62 $436.02 $0.00 $38.48 $7,280.12
17 $7,280.12 $436.02 $0.00 $41.16 $7,757.30
18 $7,757.30 $436.02 $0.00 $43.86 $8,237.18
19 $8,237.18 $436.02 $0.00 $46.57 $8,719.77
20 $8,719.77 $436.02 $0.00 $49.30 $9,205.09
21 $9,205.09 $436.02 $0.00 $52.05 $9,693.16
22 $9,693.16 $436.02 $0.00 $54.81 $10,183.99
23 $10,183.99 $436.02 $0.00 $57.58 $10,677.59
24 $10,677.59 $436.02 $0.00 $60.37 $11,173.98
25 $11,173.98 $436.02 $0.00 $63.18 $11,673.18
26 $11,673.18 $436.02 $0.00 $66.00 $12,175.20
27 $12,175.20 $436.02 $0.00 $68.84 $12,680.06
28 $12,680.06 $436.02 $0.00 $71.69 $13,187.77
29 $13,187.77 $436.02 $0.00 $74.57 $13,698.36
30 $13,698.36 $436.02 $0.00 $77.45 $14,211.83
31 $14,211.83 $436.02 $0.00 $80.36 $14,728.21
32 $14,728.21 $436.02 $0.00 $83.28 $15,247.51
33 $15,247.51 $436.02 $0.00 $86.21 $15,769.74
34 $15,769.74 $436.02 $0.00 $89.16 $16,294.92
35 $16,294.92 $436.02 $0.00 $92.13 $16,823.07
36 $16,823.07 $436.02 $0.00 $95.12 $17,354.21
37 $17,354.21 $436.02 $0.00 $98.12 $17,888.35
38 $17,888.35 $436.02 $0.00 $101.14 $18,425.51
39 $18,425.51 $436.02 $0.00 $104.18 $18,965.71
40 $18,965.71 $436.02 $0.00 $107.23 $19,508.96
41 $19,508.96 $436.02 $0.00 $110.31 $20,055.29
42 $20,055.29 $436.02 $0.00 $113.40 $20,604.71
43 $20,604.71 $436.02 $0.00 $116.50 $21,157.23
44 $21,157.23 $436.02 $0.00 $119.63 $21,712.88
45 $21,712.88 $436.02 $0.00 $122.77 $22,271.67
46 $22,271.67 $436.02 $0.00 $125.93 $22,833.62
47 $22,833.62 $436.02 $0.00 $129.10 $23,398.74
48 $23,398.74 $436.02 $0.00 $132.30 $23,967.06
49 $23,967.06 $436.02 $0.00 $135.51 $24,538.59
50 $24,538.59 $436.02 $0.00 $138.74 $25,113.35
51 $25,113.35 $436.02 $0.00 $141.99 $25,691.36
52 $25,691.36 $436.02 $0.00 $145.26 $26,272.64
53 $26,272.64 $436.02 $0.00 $148.55 $26,857.21
54 $26,857.21 $436.02 $0.00 $151.85 $27,445.08
55 $27,445.08 $436.02 $0.00 $155.18 $28,036.28
56 $28,036.28 $436.02 $0.00 $158.52 $28,630.82
57 $28,630.82 $436.02 $0.00 $161.88 $29,228.72
58 $29,228.72 $436.02 $0.00 $165.26 $29,830.00
59 $29,830.00 $436.02 $0.00 $168.66 $30,434.68
60 $30,434.68 $436.02 $0.00 $172.08 $31,042.78
61 $31,042.78 $436.02 $0.00 $175.52 $31,654.32
62 $31,654.32 $436.02 $0.00 $178.98 $32,269.32
63 $32,269.32 $436.02 $0.00 $182.46 $32,887.80
64 $32,887.80 $436.02 $0.00 $185.95 $33,509.77
65 $33,509.77 $436.02 $0.00 $189.47 $34,135.26
66 $34,135.26 $436.02 $0.00 $193.01 $34,764.29
67 $34,764.29 $436.02 $0.00 $196.56 $35,396.87
68 $35,396.87 $436.02 $0.00 $200.14 $36,033.03
69 $36,033.03 $436.02 $0.00 $203.74 $36,672.79
70 $36,672.79 $436.02 $0.00 $207.35 $37,316.16
71 $37,316.16 $436.02 $0.00 $210.99 $37,963.17
72 $37,963.17 $436.02 $0.00 $214.65 $38,613.84
73 $38,613.84 $436.02 $0.00 $218.33 $39,268.19
74 $39,268.19 $436.02 $0.00 $222.03 $39,926.24
75 $39,926.24 $436.02 $0.00 $225.75 $40,588.01
76 $40,588.01 $436.02 $0.00 $229.49 $41,253.52
77 $41,253.52 $436.02 $0.00 $233.25 $41,922.79
78 $41,922.79 $436.02 $0.00 $237.04 $42,595.85
79 $42,595.85 $436.02 $0.00 $240.84 $43,272.71
80 $43,272.71 $436.02 $0.00 $244.67 $43,953.40
81 $43,953.40 $436.02 $0.00 $248.52 $44,637.94
82 $44,637.94 $436.02 $0.00 $252.39 $45,326.35
83 $45,326.35 $436.02 $0.00 $256.28 $46,018.65
84 $46,018.65 $436.02 $0.00 $260.20 $46,714.87
85 $46,714.87 $436.02 $0.00 $264.13 $47,415.02
86 $47,415.02 $436.02 $0.00 $268.09 $48,119.13
87 $48,119.13 $436.02 $0.00 $272.07 $48,827.22
88 $48,827.22 $436.02 $0.00 $276.08 $49,539.32
89 $49,539.32 $436.02 $0.00 $280.10 $50,255.44
90 $50,255.44 $436.02 $0.00 $284.15 $50,975.61
91 $50,975.61 $436.02 $0.00 $288.22 $51,699.85
92 $51,699.85 $436.02 $0.00 $292.32 $52,428.19
93 $52,428.19 $436.02 $0.00 $296.44 $53,160.65
94 $53,160.65 $436.02 $0.00 $300.58 $53,897.25
95 $53,897.25 $436.02 $0.00 $304.74 $54,638.01
96 $54,638.01 $436.02 $0.00 $308.93 $55,382.96
97 $55,382.96 $436.02 $0.00 $313.14 $56,132.12
98 $56,132.12 $436.02 $0.00 $317.38 $56,885.52
99 $56,885.52 $436.02 $0.00 $321.64 $57,643.18
100 $57,643.18 $436.02 $0.00 $325.92 $58,405.12
101 $58,405.12 $436.02 $0.00 $330.23 $59,171.37
102 $59,171.37 $436.02 $0.00 $334.56 $59,941.95
103 $59,941.95 $436.02 $0.00 $338.92 $60,716.89
104 $60,716.89 $436.02 $0.00 $343.30 $61,496.21
105 $61,496.21 $436.02 $0.00 $347.71 $62,279.94
106 $62,279.94 $436.02 $0.00 $352.14 $63,068.10
107 $63,068.10 $436.02 $0.00 $356.60 $63,860.72
108 $63,860.72 $436.02 $0.00 $361.08 $64,657.82
109 $64,657.82 $436.02 $0.00 $365.58 $65,459.42
110 $65,459.42 $436.02 $0.00 $370.12 $66,265.56
111 $66,265.56 $436.02 $0.00 $374.68 $67,076.26
112 $67,076.26 $436.02 $0.00 $379.26 $67,891.54
113 $67,891.54 $436.02 $0.00 $383.87 $68,711.43
114 $68,711.43 $436.02 $0.00 $388.50 $69,535.95
115 $69,535.95 $436.02 $0.00 $393.17 $70,365.14
116 $70,365.14 $436.02 $0.00 $397.85 $71,199.01
117 $71,199.01 $436.02 $0.00 $402.57 $72,037.60
118 $72,037.60 $436.02 $0.00 $407.31 $72,880.93
119 $72,880.93 $436.02 $0.00 $412.08 $73,729.03
120 $73,729.03 $436.02 $0.00 $416.87 $74,581.92
121 $74,581.92 $436.02 $0.00 $421.70 $75,439.64
122 $75,439.64 $436.02 $0.00 $426.55 $76,302.21
123 $76,302.21 $436.02 $0.00 $431.42 $77,169.65
124 $77,169.65 $436.02 $0.00 $436.33 $78,042.00
125 $78,042.00 $436.02 $0.00 $441.26 $78,919.28
126 $78,919.28 $436.02 $0.00 $446.22 $79,801.52
127 $79,801.52 $436.02 $0.00 $451.21 $80,688.75
128 $80,688.75 $436.02 $0.00 $456.23 $81,581.00
129 $81,581.00 $436.02 $0.00 $461.27 $82,478.29
130 $82,478.29 $436.02 $0.00 $466.34 $83,380.65
131 $83,380.65 $436.02 $0.00 $471.45 $84,288.12
132 $84,288.12 $436.02 $0.00 $476.58 $85,200.72
133 $85,200.72 $436.02 $0.00 $481.74 $86,118.48
134 $86,118.48 $436.02 $0.00 $486.93 $87,041.43
135 $87,041.43 $436.02 $0.00 $492.14 $87,969.59
136 $87,969.59 $436.02 $0.00 $497.39 $88,903.00
137 $88,903.00 $436.02 $0.00 $502.67 $89,841.69
138 $89,841.69 $436.02 $0.00 $507.98 $90,785.69
139 $90,785.69 $436.02 $0.00 $513.32 $91,735.03
140 $91,735.03 $436.02 $0.00 $518.68 $92,689.73
141 $92,689.73 $436.02 $0.00 $524.08 $93,649.83
142 $93,649.83 $436.02 $0.00 $529.51 $94,615.36
143 $94,615.36 $436.02 $0.00 $534.97 $95,586.35
144 $95,586.35 $436.02 $0.00 $540.46 $96,562.83
145 $96,562.83 $436.02 $0.00 $545.98 $97,544.83
146 $97,544.83 $436.02 $0.00 $551.53 $98,532.38
147 $98,532.38 $436.02 $0.00 $557.12 $99,525.52
148 $99,525.52 $436.02 $0.00 $562.73 $100,524.27
149 $100,524.27 $436.02 $0.00 $568.38 $101,528.67
150 $101,528.67 $436.02 $0.00 $574.06 $102,538.75
151 $102,538.75 $436.02 $0.00 $579.77 $103,554.54
152 $103,554.54 $436.02 $0.00 $585.51 $104,576.07
153 $104,576.07 $436.02 $0.00 $591.29 $105,603.38
154 $105,603.38 $436.02 $0.00 $597.10 $106,636.50
155 $106,636.50 $436.02 $0.00 $602.94 $107,675.46
156 $107,675.46 $436.02 $0.00 $608.81 $108,720.29
157 $108,720.29 $436.02 $0.00 $614.72 $109,771.03
158 $109,771.03 $436.02 $0.00 $620.66 $110,827.71
159 $110,827.71 $436.02 $0.00 $626.64 $111,890.37
160 $111,890.37 $436.02 $0.00 $632.64 $112,959.03
161 $112,959.03 $436.02 $0.00 $638.69 $114,033.74
162 $114,033.74 $436.02 $0.00 $644.76 $115,114.52
163 $115,114.52 $436.02 $0.00 $650.87 $116,201.41
164 $116,201.41 $436.02 $0.00 $657.02 $117,294.45
165 $117,294.45 $436.02 $0.00 $663.20 $118,393.67
166 $118,393.67 $436.02 $0.00 $669.42 $119,499.11
167 $119,499.11 $436.02 $0.00 $675.67 $120,610.80
168 $120,610.80 $436.02 $0.00 $681.95 $121,728.77
169 $121,728.77 $436.02 $0.00 $688.27 $122,853.06
170 $122,853.06 $436.02 $0.00 $694.63 $123,983.71
171 $123,983.71 $436.02 $0.00 $701.02 $125,120.75
172 $125,120.75 $436.02 $0.00 $707.45 $126,264.22
173 $126,264.22 $436.02 $0.00 $713.92 $127,414.16
174 $127,414.16 $436.02 $0.00 $720.42 $128,570.60
175 $128,570.60 $436.02 $0.00 $726.96 $129,733.58
176 $129,733.58 $436.02 $0.00 $733.53 $130,903.13
177 $130,903.13 $436.02 $0.00 $740.15 $132,079.30
178 $132,079.30 $436.02 $0.00 $746.80 $133,262.12
179 $133,262.12 $436.02 $0.00 $753.48 $134,451.62
180 $134,451.62 $436.02 $0.00 $760.21 $135,647.85
181 $135,647.85 $436.02 $0.00 $766.97 $136,850.84
182 $136,850.84 $436.02 $0.00 $773.77 $138,060.63
183 $138,060.63 $436.02 $0.00 $780.61 $139,277.26
184 $139,277.26 $436.02 $0.00 $787.49 $140,500.77
185 $140,500.77 $436.02 $0.00 $794.41 $141,731.20
186 $141,731.20 $436.02 $0.00 $801.37 $142,968.59
187 $142,968.59 $436.02 $0.00 $808.37 $144,212.98
188 $144,212.98 $436.02 $0.00 $815.40 $145,464.40
189 $145,464.40 $436.02 $0.00 $822.48 $146,722.90
190 $146,722.90 $436.02 $0.00 $829.59 $147,988.51
191 $147,988.51 $436.02 $0.00 $836.75 $149,261.28
192 $149,261.28 $436.02 $0.00 $843.94 $150,541.24
193 $150,541.24 $436.02 $0.00 $851.18 $151,828.44
194 $151,828.44 $436.02 $0.00 $858.46 $153,122.92
195 $153,122.92 $436.02 $0.00 $865.78 $154,424.72
196 $154,424.72 $436.02 $0.00 $873.14 $155,733.88
197 $155,733.88 $436.02 $0.00 $880.54 $157,050.44
198 $157,050.44 $436.02 $0.00 $887.99 $158,374.45
199 $158,374.45 $436.02 $0.00 $895.47 $159,705.94
200 $159,705.94 $436.02 $0.00 $903.00 $161,044.96
201 $161,044.96 $436.02 $0.00 $910.57 $162,391.55
202 $162,391.55 $436.02 $0.00 $918.19 $163,745.76
203 $163,745.76 $436.02 $0.00 $925.84 $165,107.62
204 $165,107.62 $436.02 $0.00 $933.54 $166,477.18
205 $166,477.18 $436.02 $0.00 $941.29 $167,854.49
206 $167,854.49 $436.02 $0.00 $949.07 $169,239.58
207 $169,239.58 $436.02 $0.00 $956.91 $170,632.51
208 $170,632.51 $436.02 $0.00 $964.78 $172,033.31
209 $172,033.31 $436.02 $0.00 $972.70 $173,442.03
210 $173,442.03 $436.02 $0.00 $980.67 $174,858.72
211 $174,858.72 $436.02 $0.00 $988.68 $176,283.42
212 $176,283.42 $436.02 $0.00 $996.73 $177,716.17
213 $177,716.17 $436.02 $0.00 $1,004.83 $179,157.02
214 $179,157.02 $436.02 $0.00 $1,012.98 $180,606.02
215 $180,606.02 $436.02 $0.00 $1,021.17 $182,063.21
216 $182,063.21 $436.02 $0.00 $1,029.41 $183,528.64
217 $183,528.64 $436.02 $51,119.00 $1,037.70 $133,883.36
218 $133,883.36 $436.02 $0.00 $757.00 $135,076.38
219 $135,076.38 $436.02 $0.00 $763.74 $136,276.14
220 $136,276.14 $436.02 $0.00 $770.53 $137,482.69
221 $137,482.69 $436.02 $0.00 $777.35 $138,696.06
222 $138,696.06 $436.02 $0.00 $784.21 $139,916.29
223 $139,916.29 $436.02 $0.00 $791.11 $141,143.42
224 $141,143.42 $436.02 $0.00 $798.05 $142,377.49
225 $142,377.49 $436.02 $0.00 $805.02 $143,618.53
226 $143,618.53 $436.02 $0.00 $812.04 $144,866.59
227 $144,866.59 $436.02 $0.00 $819.10 $146,121.71
228 $146,121.71 $436.02 $0.00 $826.19 $147,383.92
229 $147,383.92 $436.02 $53,674.95 $833.33 $94,978.32
230 $94,978.32 $436.02 $0.00 $537.02 $95,951.36
231 $95,951.36 $436.02 $0.00 $542.52 $96,929.90
232 $96,929.90 $436.02 $0.00 $548.06 $97,913.98
233 $97,913.98 $436.02 $0.00 $553.62 $98,903.62
234 $98,903.62 $436.02 $0.00 $559.22 $99,898.86
235 $99,898.86 $436.02 $0.00 $564.84 $100,899.72
236 $100,899.72 $436.02 $0.00 $570.50 $101,906.24
237 $101,906.24 $436.02 $0.00 $576.19 $102,918.45
238 $102,918.45 $436.02 $0.00 $581.92 $103,936.39
239 $103,936.39 $436.02 $0.00 $587.67 $104,960.08
240 $104,960.08 $436.02 $0.00 $593.46 $105,989.56
241 $105,989.56 $436.02 $56,358.70 $599.28 $50,666.16
242 $50,666.16 $436.02 $0.00 $286.47 $51,388.65
243 $51,388.65 $436.02 $0.00 $290.56 $52,115.23
244 $52,115.23 $436.02 $0.00 $294.67 $52,845.92
245 $52,845.92 $436.02 $0.00 $298.80 $53,580.74
246 $53,580.74 $436.02 $0.00 $302.95 $54,319.71
247 $54,319.71 $436.02 $0.00 $307.13 $55,062.86
248 $55,062.86 $436.02 $0.00 $311.33 $55,810.21
249 $55,810.21 $436.02 $0.00 $315.56 $56,561.79
250 $56,561.79 $436.02 $0.00 $319.81 $57,317.62
251 $57,317.62 $436.02 $0.00 $324.08 $58,077.72
252 $58,077.72 $436.02 $0.00 $328.38 $58,842.12
253 $58,842.12 $0.00 $59,176.63 $332.70 ($1.81)