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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$154,270
Monthly savings required$1,221

How much will it cost to send your child to Pacific University in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $617,079.64 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $1,221.17 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$59,490.00
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 $1,221.17 $0.00 $0.00 $1,221.17
2 $1,221.17 $1,221.17 $0.00 $6.90 $2,449.24
3 $2,449.24 $1,221.17 $0.00 $13.85 $3,684.26
4 $3,684.26 $1,221.17 $0.00 $20.83 $4,926.26
5 $4,926.26 $1,221.17 $0.00 $27.85 $6,175.28
6 $6,175.28 $1,221.17 $0.00 $34.92 $7,431.37
7 $7,431.37 $1,221.17 $0.00 $42.02 $8,694.56
8 $8,694.56 $1,221.17 $0.00 $49.16 $9,964.89
9 $9,964.89 $1,221.17 $0.00 $56.34 $11,242.40
10 $11,242.40 $1,221.17 $0.00 $63.57 $12,527.14
11 $12,527.14 $1,221.17 $0.00 $70.83 $13,819.14
12 $13,819.14 $1,221.17 $0.00 $78.14 $15,118.45
13 $15,118.45 $1,221.17 $0.00 $85.48 $16,425.10
14 $16,425.10 $1,221.17 $0.00 $92.87 $17,739.14
15 $17,739.14 $1,221.17 $0.00 $100.30 $19,060.61
16 $19,060.61 $1,221.17 $0.00 $107.77 $20,389.55
17 $20,389.55 $1,221.17 $0.00 $115.29 $21,726.01
18 $21,726.01 $1,221.17 $0.00 $122.84 $23,070.02
19 $23,070.02 $1,221.17 $0.00 $130.44 $24,421.63
20 $24,421.63 $1,221.17 $0.00 $138.08 $25,780.88
21 $25,780.88 $1,221.17 $0.00 $145.77 $27,147.82
22 $27,147.82 $1,221.17 $0.00 $153.50 $28,522.49
23 $28,522.49 $1,221.17 $0.00 $161.27 $29,904.93
24 $29,904.93 $1,221.17 $0.00 $169.09 $31,295.19
25 $31,295.19 $1,221.17 $0.00 $176.95 $32,693.31
26 $32,693.31 $1,221.17 $0.00 $184.85 $34,099.33
27 $34,099.33 $1,221.17 $0.00 $192.80 $35,513.30
28 $35,513.30 $1,221.17 $0.00 $200.80 $36,935.27
29 $36,935.27 $1,221.17 $0.00 $208.84 $38,365.28
30 $38,365.28 $1,221.17 $0.00 $216.92 $39,803.37
31 $39,803.37 $1,221.17 $0.00 $225.05 $41,249.59
32 $41,249.59 $1,221.17 $0.00 $233.23 $42,703.99
33 $42,703.99 $1,221.17 $0.00 $241.45 $44,166.61
34 $44,166.61 $1,221.17 $0.00 $249.72 $45,637.50
35 $45,637.50 $1,221.17 $0.00 $258.04 $47,116.71
36 $47,116.71 $1,221.17 $0.00 $266.40 $48,604.28
37 $48,604.28 $1,221.17 $0.00 $274.82 $50,100.27
38 $50,100.27 $1,221.17 $0.00 $283.27 $51,604.71
39 $51,604.71 $1,221.17 $0.00 $291.78 $53,117.66
40 $53,117.66 $1,221.17 $0.00 $300.33 $54,639.16
41 $54,639.16 $1,221.17 $0.00 $308.94 $56,169.27
42 $56,169.27 $1,221.17 $0.00 $317.59 $57,708.03
43 $57,708.03 $1,221.17 $0.00 $326.29 $59,255.49
44 $59,255.49 $1,221.17 $0.00 $335.04 $60,811.70
45 $60,811.70 $1,221.17 $0.00 $343.84 $62,376.71
46 $62,376.71 $1,221.17 $0.00 $352.69 $63,950.57
47 $63,950.57 $1,221.17 $0.00 $361.59 $65,533.33
48 $65,533.33 $1,221.17 $0.00 $370.53 $67,125.03
49 $67,125.03 $1,221.17 $0.00 $379.53 $68,725.73
50 $68,725.73 $1,221.17 $0.00 $388.59 $70,335.49
51 $70,335.49 $1,221.17 $0.00 $397.69 $71,954.35
52 $71,954.35 $1,221.17 $0.00 $406.84 $73,582.36
53 $73,582.36 $1,221.17 $0.00 $416.05 $75,219.58
54 $75,219.58 $1,221.17 $0.00 $425.30 $76,866.05
55 $76,866.05 $1,221.17 $0.00 $434.61 $78,521.83
56 $78,521.83 $1,221.17 $0.00 $443.97 $80,186.97
57 $80,186.97 $1,221.17 $0.00 $453.39 $81,861.53
58 $81,861.53 $1,221.17 $0.00 $462.86 $83,545.56
59 $83,545.56 $1,221.17 $0.00 $472.38 $85,239.11
60 $85,239.11 $1,221.17 $0.00 $481.95 $86,942.23
61 $86,942.23 $1,221.17 $0.00 $491.58 $88,654.98
62 $88,654.98 $1,221.17 $0.00 $501.27 $90,377.42
63 $90,377.42 $1,221.17 $0.00 $511.01 $92,109.60
64 $92,109.60 $1,221.17 $0.00 $520.80 $93,851.57
65 $93,851.57 $1,221.17 $0.00 $530.65 $95,603.39
66 $95,603.39 $1,221.17 $0.00 $540.56 $97,365.12
67 $97,365.12 $1,221.17 $0.00 $550.52 $99,136.81
68 $99,136.81 $1,221.17 $0.00 $560.53 $100,918.51
69 $100,918.51 $1,221.17 $0.00 $570.61 $102,710.29
70 $102,710.29 $1,221.17 $0.00 $580.74 $104,512.20
71 $104,512.20 $1,221.17 $0.00 $590.93 $106,324.30
72 $106,324.30 $1,221.17 $0.00 $601.17 $108,146.64
73 $108,146.64 $1,221.17 $0.00 $611.48 $109,979.29
74 $109,979.29 $1,221.17 $0.00 $621.84 $111,822.30
75 $111,822.30 $1,221.17 $0.00 $632.26 $113,675.73
76 $113,675.73 $1,221.17 $0.00 $642.74 $115,539.64
77 $115,539.64 $1,221.17 $0.00 $653.28 $117,414.09
78 $117,414.09 $1,221.17 $0.00 $663.88 $119,299.14
79 $119,299.14 $1,221.17 $0.00 $674.53 $121,194.84
80 $121,194.84 $1,221.17 $0.00 $685.25 $123,101.26
81 $123,101.26 $1,221.17 $0.00 $696.03 $125,018.46
82 $125,018.46 $1,221.17 $0.00 $706.87 $126,946.50
83 $126,946.50 $1,221.17 $0.00 $717.77 $128,885.44
84 $128,885.44 $1,221.17 $0.00 $728.74 $130,835.35
85 $130,835.35 $1,221.17 $0.00 $739.76 $132,796.28
86 $132,796.28 $1,221.17 $0.00 $750.85 $134,768.30
87 $134,768.30 $1,221.17 $0.00 $762.00 $136,751.47
88 $136,751.47 $1,221.17 $0.00 $773.21 $138,745.85
89 $138,745.85 $1,221.17 $0.00 $784.49 $140,751.51
90 $140,751.51 $1,221.17 $0.00 $795.83 $142,768.51
91 $142,768.51 $1,221.17 $0.00 $807.23 $144,796.91
92 $144,796.91 $1,221.17 $0.00 $818.70 $146,836.78
93 $146,836.78 $1,221.17 $0.00 $830.24 $148,888.19
94 $148,888.19 $1,221.17 $0.00 $841.84 $150,951.20
95 $150,951.20 $1,221.17 $0.00 $853.50 $153,025.87
96 $153,025.87 $1,221.17 $0.00 $865.23 $155,112.27
97 $155,112.27 $1,221.17 $0.00 $877.03 $157,210.47
98 $157,210.47 $1,221.17 $0.00 $888.89 $159,320.53
99 $159,320.53 $1,221.17 $0.00 $900.82 $161,442.52
100 $161,442.52 $1,221.17 $0.00 $912.82 $163,576.51
101 $163,576.51 $1,221.17 $0.00 $924.89 $165,722.57
102 $165,722.57 $1,221.17 $0.00 $937.02 $167,880.76
103 $167,880.76 $1,221.17 $0.00 $949.22 $170,051.15
104 $170,051.15 $1,221.17 $0.00 $961.49 $172,233.81
105 $172,233.81 $1,221.17 $0.00 $973.84 $174,428.82
106 $174,428.82 $1,221.17 $0.00 $986.25 $176,636.24
107 $176,636.24 $1,221.17 $0.00 $998.73 $178,856.14
108 $178,856.14 $1,221.17 $0.00 $1,011.28 $181,088.59
109 $181,088.59 $1,221.17 $0.00 $1,023.90 $183,333.66
110 $183,333.66 $1,221.17 $0.00 $1,036.60 $185,591.43
111 $185,591.43 $1,221.17 $0.00 $1,049.36 $187,861.96
112 $187,861.96 $1,221.17 $0.00 $1,062.20 $190,145.33
113 $190,145.33 $1,221.17 $0.00 $1,075.11 $192,441.61
114 $192,441.61 $1,221.17 $0.00 $1,088.09 $194,750.87
115 $194,750.87 $1,221.17 $0.00 $1,101.15 $197,073.19
116 $197,073.19 $1,221.17 $0.00 $1,114.28 $199,408.64
117 $199,408.64 $1,221.17 $0.00 $1,127.49 $201,757.30
118 $201,757.30 $1,221.17 $0.00 $1,140.77 $204,119.24
119 $204,119.24 $1,221.17 $0.00 $1,154.12 $206,494.53
120 $206,494.53 $1,221.17 $0.00 $1,167.55 $208,883.25
121 $208,883.25 $1,221.17 $0.00 $1,181.06 $211,285.48
122 $211,285.48 $1,221.17 $0.00 $1,194.64 $213,701.29
123 $213,701.29 $1,221.17 $0.00 $1,208.30 $216,130.76
124 $216,130.76 $1,221.17 $0.00 $1,222.03 $218,573.96
125 $218,573.96 $1,221.17 $0.00 $1,235.85 $221,030.98
126 $221,030.98 $1,221.17 $0.00 $1,249.74 $223,501.89
127 $223,501.89 $1,221.17 $0.00 $1,263.71 $225,986.77
128 $225,986.77 $1,221.17 $0.00 $1,277.76 $228,485.70
129 $228,485.70 $1,221.17 $0.00 $1,291.89 $230,998.76
130 $230,998.76 $1,221.17 $0.00 $1,306.10 $233,526.03
131 $233,526.03 $1,221.17 $0.00 $1,320.39 $236,067.59
132 $236,067.59 $1,221.17 $0.00 $1,334.76 $238,623.52
133 $238,623.52 $1,221.17 $0.00 $1,349.21 $241,193.90
134 $241,193.90 $1,221.17 $0.00 $1,363.75 $243,778.82
135 $243,778.82 $1,221.17 $0.00 $1,378.36 $246,378.35
136 $246,378.35 $1,221.17 $0.00 $1,393.06 $248,992.58
137 $248,992.58 $1,221.17 $0.00 $1,407.84 $251,621.59
138 $251,621.59 $1,221.17 $0.00 $1,422.71 $254,265.47
139 $254,265.47 $1,221.17 $0.00 $1,437.65 $256,924.29
140 $256,924.29 $1,221.17 $0.00 $1,452.69 $259,598.15
141 $259,598.15 $1,221.17 $0.00 $1,467.81 $262,287.13
142 $262,287.13 $1,221.17 $0.00 $1,483.01 $264,991.31
143 $264,991.31 $1,221.17 $0.00 $1,498.30 $267,710.78
144 $267,710.78 $1,221.17 $0.00 $1,513.68 $270,445.63
145 $270,445.63 $1,221.17 $0.00 $1,529.14 $273,195.94
146 $273,195.94 $1,221.17 $0.00 $1,544.69 $275,961.80
147 $275,961.80 $1,221.17 $0.00 $1,560.33 $278,743.30
148 $278,743.30 $1,221.17 $0.00 $1,576.06 $281,540.53
149 $281,540.53 $1,221.17 $0.00 $1,591.87 $284,353.57
150 $284,353.57 $1,221.17 $0.00 $1,607.78 $287,182.52
151 $287,182.52 $1,221.17 $0.00 $1,623.77 $290,027.46
152 $290,027.46 $1,221.17 $0.00 $1,639.86 $292,888.49
153 $292,888.49 $1,221.17 $0.00 $1,656.03 $295,765.69
154 $295,765.69 $1,221.17 $0.00 $1,672.30 $298,659.16
155 $298,659.16 $1,221.17 $0.00 $1,688.66 $301,568.99
156 $301,568.99 $1,221.17 $0.00 $1,705.11 $304,495.27
157 $304,495.27 $1,221.17 $0.00 $1,721.66 $307,438.10
158 $307,438.10 $1,221.17 $0.00 $1,738.30 $310,397.57
159 $310,397.57 $1,221.17 $0.00 $1,755.03 $313,373.77
160 $313,373.77 $1,221.17 $0.00 $1,771.86 $316,366.80
161 $316,366.80 $1,221.17 $0.00 $1,788.78 $319,376.75
162 $319,376.75 $1,221.17 $0.00 $1,805.80 $322,403.72
163 $322,403.72 $1,221.17 $0.00 $1,822.92 $325,447.81
164 $325,447.81 $1,221.17 $0.00 $1,840.13 $328,509.11
165 $328,509.11 $1,221.17 $0.00 $1,857.44 $331,587.72
166 $331,587.72 $1,221.17 $0.00 $1,874.85 $334,683.74
167 $334,683.74 $1,221.17 $0.00 $1,892.35 $337,797.26
168 $337,797.26 $1,221.17 $0.00 $1,909.95 $340,928.38
169 $340,928.38 $1,221.17 $0.00 $1,927.66 $344,077.21
170 $344,077.21 $1,221.17 $0.00 $1,945.46 $347,243.84
171 $347,243.84 $1,221.17 $0.00 $1,963.37 $350,428.38
172 $350,428.38 $1,221.17 $0.00 $1,981.37 $353,630.92
173 $353,630.92 $1,221.17 $0.00 $1,999.48 $356,851.57
174 $356,851.57 $1,221.17 $0.00 $2,017.69 $360,090.43
175 $360,090.43 $1,221.17 $0.00 $2,036.00 $363,347.60
176 $363,347.60 $1,221.17 $0.00 $2,054.42 $366,623.19
177 $366,623.19 $1,221.17 $0.00 $2,072.94 $369,917.30
178 $369,917.30 $1,221.17 $0.00 $2,091.57 $373,230.04
179 $373,230.04 $1,221.17 $0.00 $2,110.30 $376,561.51
180 $376,561.51 $1,221.17 $0.00 $2,129.13 $379,911.81
181 $379,911.81 $1,221.17 $0.00 $2,148.08 $383,281.06
182 $383,281.06 $1,221.17 $0.00 $2,167.13 $386,669.36
183 $386,669.36 $1,221.17 $0.00 $2,186.28 $390,076.81
184 $390,076.81 $1,221.17 $0.00 $2,205.55 $393,503.53
185 $393,503.53 $1,221.17 $0.00 $2,224.93 $396,949.63
186 $396,949.63 $1,221.17 $0.00 $2,244.41 $400,415.21
187 $400,415.21 $1,221.17 $0.00 $2,264.01 $403,900.39
188 $403,900.39 $1,221.17 $0.00 $2,283.71 $407,405.27
189 $407,405.27 $1,221.17 $0.00 $2,303.53 $410,929.97
190 $410,929.97 $1,221.17 $0.00 $2,323.46 $414,474.60
191 $414,474.60 $1,221.17 $0.00 $2,343.50 $418,039.27
192 $418,039.27 $1,221.17 $0.00 $2,363.65 $421,624.09
193 $421,624.09 $1,221.17 $0.00 $2,383.92 $425,229.18
194 $425,229.18 $1,221.17 $0.00 $2,404.31 $428,854.66
195 $428,854.66 $1,221.17 $0.00 $2,424.81 $432,500.64
196 $432,500.64 $1,221.17 $0.00 $2,445.42 $436,167.23
197 $436,167.23 $1,221.17 $0.00 $2,466.15 $439,854.55
198 $439,854.55 $1,221.17 $0.00 $2,487.00 $443,562.72
199 $443,562.72 $1,221.17 $0.00 $2,507.97 $447,291.86
200 $447,291.86 $1,221.17 $0.00 $2,529.05 $451,042.08
201 $451,042.08 $1,221.17 $0.00 $2,550.26 $454,813.51
202 $454,813.51 $1,221.17 $0.00 $2,571.58 $458,606.26
203 $458,606.26 $1,221.17 $0.00 $2,593.03 $462,420.46
204 $462,420.46 $1,221.17 $0.00 $2,614.59 $466,256.22
205 $466,256.22 $1,221.17 $0.00 $2,636.28 $470,113.67
206 $470,113.67 $1,221.17 $0.00 $2,658.09 $473,992.93
207 $473,992.93 $1,221.17 $0.00 $2,680.02 $477,894.12
208 $477,894.12 $1,221.17 $0.00 $2,702.08 $481,817.37
209 $481,817.37 $1,221.17 $0.00 $2,724.27 $485,762.81
210 $485,762.81 $1,221.17 $0.00 $2,746.57 $489,730.55
211 $489,730.55 $1,221.17 $0.00 $2,769.01 $493,720.73
212 $493,720.73 $1,221.17 $0.00 $2,791.57 $497,733.47
213 $497,733.47 $1,221.17 $0.00 $2,814.26 $501,768.90
214 $501,768.90 $1,221.17 $0.00 $2,837.07 $505,827.14
215 $505,827.14 $1,221.17 $0.00 $2,860.02 $509,908.33
216 $509,908.33 $1,221.17 $0.00 $2,883.10 $514,012.60
217 $514,012.60 $1,221.17 $143,169.78 $2,906.30 $374,970.29
218 $374,970.29 $1,221.17 $0.00 $2,120.14 $378,311.60
219 $378,311.60 $1,221.17 $0.00 $2,139.03 $381,671.80
220 $381,671.80 $1,221.17 $0.00 $2,158.03 $385,051.00
221 $385,051.00 $1,221.17 $0.00 $2,177.13 $388,449.30
222 $388,449.30 $1,221.17 $0.00 $2,196.35 $391,866.82
223 $391,866.82 $1,221.17 $0.00 $2,215.67 $395,303.66
224 $395,303.66 $1,221.17 $0.00 $2,235.10 $398,759.93
225 $398,759.93 $1,221.17 $0.00 $2,254.65 $402,235.75
226 $402,235.75 $1,221.17 $0.00 $2,274.30 $405,731.22
227 $405,731.22 $1,221.17 $0.00 $2,294.06 $409,246.45
228 $409,246.45 $1,221.17 $0.00 $2,313.94 $412,781.56
229 $412,781.56 $1,221.17 $150,328.27 $2,333.93 $266,008.39
230 $266,008.39 $1,221.17 $0.00 $1,504.05 $268,733.61
231 $268,733.61 $1,221.17 $0.00 $1,519.46 $271,474.24
232 $271,474.24 $1,221.17 $0.00 $1,534.95 $274,230.36
233 $274,230.36 $1,221.17 $0.00 $1,550.54 $277,002.07
234 $277,002.07 $1,221.17 $0.00 $1,566.21 $279,789.45
235 $279,789.45 $1,221.17 $0.00 $1,581.97 $282,592.59
236 $282,592.59 $1,221.17 $0.00 $1,597.82 $285,411.58
237 $285,411.58 $1,221.17 $0.00 $1,613.76 $288,246.51
238 $288,246.51 $1,221.17 $0.00 $1,629.79 $291,097.47
239 $291,097.47 $1,221.17 $0.00 $1,645.91 $293,964.55
240 $293,964.55 $1,221.17 $0.00 $1,662.12 $296,847.84
241 $296,847.84 $1,221.17 $157,844.68 $1,678.42 $141,902.75
242 $141,902.75 $1,221.17 $0.00 $802.34 $143,926.26
243 $143,926.26 $1,221.17 $0.00 $813.78 $145,961.21
244 $145,961.21 $1,221.17 $0.00 $825.29 $148,007.67
245 $148,007.67 $1,221.17 $0.00 $836.86 $150,065.70
246 $150,065.70 $1,221.17 $0.00 $848.49 $152,135.36
247 $152,135.36 $1,221.17 $0.00 $860.20 $154,216.73
248 $154,216.73 $1,221.17 $0.00 $871.96 $156,309.86
249 $156,309.86 $1,221.17 $0.00 $883.80 $158,414.83
250 $158,414.83 $1,221.17 $0.00 $895.70 $160,531.70
251 $160,531.70 $1,221.17 $0.00 $907.67 $162,660.54
252 $162,660.54 $1,221.17 $0.00 $919.71 $164,801.42
253 $164,801.42 $0.00 $165,736.91 $931.81 ($3.68)