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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$108,837
Monthly savings required$862

How much will it cost to send your child to Keystone College in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $435,347.66 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $861.54 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$41,970.00
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 $861.54 $0.00 $0.00 $861.54
2 $861.54 $861.54 $0.00 $4.87 $1,727.95
3 $1,727.95 $861.54 $0.00 $9.77 $2,599.26
4 $2,599.26 $861.54 $0.00 $14.70 $3,475.50
5 $3,475.50 $861.54 $0.00 $19.65 $4,356.69
6 $4,356.69 $861.54 $0.00 $24.63 $5,242.86
7 $5,242.86 $861.54 $0.00 $29.64 $6,134.04
8 $6,134.04 $861.54 $0.00 $34.68 $7,030.26
9 $7,030.26 $861.54 $0.00 $39.75 $7,931.55
10 $7,931.55 $861.54 $0.00 $44.85 $8,837.94
11 $8,837.94 $861.54 $0.00 $49.97 $9,749.45
12 $9,749.45 $861.54 $0.00 $55.12 $10,666.11
13 $10,666.11 $861.54 $0.00 $60.31 $11,587.96
14 $11,587.96 $861.54 $0.00 $65.52 $12,515.02
15 $12,515.02 $861.54 $0.00 $70.76 $13,447.32
16 $13,447.32 $861.54 $0.00 $76.03 $14,384.89
17 $14,384.89 $861.54 $0.00 $81.33 $15,327.76
18 $15,327.76 $861.54 $0.00 $86.67 $16,275.97
19 $16,275.97 $861.54 $0.00 $92.03 $17,229.54
20 $17,229.54 $861.54 $0.00 $97.42 $18,188.50
21 $18,188.50 $861.54 $0.00 $102.84 $19,152.88
22 $19,152.88 $861.54 $0.00 $108.29 $20,122.71
23 $20,122.71 $861.54 $0.00 $113.78 $21,098.03
24 $21,098.03 $861.54 $0.00 $119.29 $22,078.86
25 $22,078.86 $861.54 $0.00 $124.84 $23,065.24
26 $23,065.24 $861.54 $0.00 $130.41 $24,057.19
27 $24,057.19 $861.54 $0.00 $136.02 $25,054.75
28 $25,054.75 $861.54 $0.00 $141.66 $26,057.95
29 $26,057.95 $861.54 $0.00 $147.34 $27,066.83
30 $27,066.83 $861.54 $0.00 $153.04 $28,081.41
31 $28,081.41 $861.54 $0.00 $158.78 $29,101.73
32 $29,101.73 $861.54 $0.00 $164.55 $30,127.82
33 $30,127.82 $861.54 $0.00 $170.35 $31,159.71
34 $31,159.71 $861.54 $0.00 $176.18 $32,197.43
35 $32,197.43 $861.54 $0.00 $182.05 $33,241.02
36 $33,241.02 $861.54 $0.00 $187.95 $34,290.51
37 $34,290.51 $861.54 $0.00 $193.88 $35,345.93
38 $35,345.93 $861.54 $0.00 $199.85 $36,407.32
39 $36,407.32 $861.54 $0.00 $205.85 $37,474.71
40 $37,474.71 $861.54 $0.00 $211.89 $38,548.14
41 $38,548.14 $861.54 $0.00 $217.96 $39,627.64
42 $39,627.64 $861.54 $0.00 $224.06 $40,713.24
43 $40,713.24 $861.54 $0.00 $230.20 $41,804.98
44 $41,804.98 $861.54 $0.00 $236.37 $42,902.89
45 $42,902.89 $861.54 $0.00 $242.58 $44,007.01
46 $44,007.01 $861.54 $0.00 $248.82 $45,117.37
47 $45,117.37 $861.54 $0.00 $255.10 $46,234.01
48 $46,234.01 $861.54 $0.00 $261.41 $47,356.96
49 $47,356.96 $861.54 $0.00 $267.76 $48,486.26
50 $48,486.26 $861.54 $0.00 $274.15 $49,621.95
51 $49,621.95 $861.54 $0.00 $280.57 $50,764.06
52 $50,764.06 $861.54 $0.00 $287.03 $51,912.63
53 $51,912.63 $861.54 $0.00 $293.52 $53,067.69
54 $53,067.69 $861.54 $0.00 $300.05 $54,229.28
55 $54,229.28 $861.54 $0.00 $306.62 $55,397.44
56 $55,397.44 $861.54 $0.00 $313.23 $56,572.21
57 $56,572.21 $861.54 $0.00 $319.87 $57,753.62
58 $57,753.62 $861.54 $0.00 $326.55 $58,941.71
59 $58,941.71 $861.54 $0.00 $333.26 $60,136.51
60 $60,136.51 $861.54 $0.00 $340.02 $61,338.07
61 $61,338.07 $861.54 $0.00 $346.81 $62,546.42
62 $62,546.42 $861.54 $0.00 $353.65 $63,761.61
63 $63,761.61 $861.54 $0.00 $360.52 $64,983.67
64 $64,983.67 $861.54 $0.00 $367.43 $66,212.64
65 $66,212.64 $861.54 $0.00 $374.38 $67,448.56
66 $67,448.56 $861.54 $0.00 $381.36 $68,691.46
67 $68,691.46 $861.54 $0.00 $388.39 $69,941.39
68 $69,941.39 $861.54 $0.00 $395.46 $71,198.39
69 $71,198.39 $861.54 $0.00 $402.57 $72,462.50
70 $72,462.50 $861.54 $0.00 $409.71 $73,733.75
71 $73,733.75 $861.54 $0.00 $416.90 $75,012.19
72 $75,012.19 $861.54 $0.00 $424.13 $76,297.86
73 $76,297.86 $861.54 $0.00 $431.40 $77,590.80
74 $77,590.80 $861.54 $0.00 $438.71 $78,891.05
75 $78,891.05 $861.54 $0.00 $446.06 $80,198.65
76 $80,198.65 $861.54 $0.00 $453.45 $81,513.64
77 $81,513.64 $861.54 $0.00 $460.89 $82,836.07
78 $82,836.07 $861.54 $0.00 $468.37 $84,165.98
79 $84,165.98 $861.54 $0.00 $475.89 $85,503.41
80 $85,503.41 $861.54 $0.00 $483.45 $86,848.40
81 $86,848.40 $861.54 $0.00 $491.05 $88,200.99
82 $88,200.99 $861.54 $0.00 $498.70 $89,561.23
83 $89,561.23 $861.54 $0.00 $506.39 $90,929.16
84 $90,929.16 $861.54 $0.00 $514.13 $92,304.83
85 $92,304.83 $861.54 $0.00 $521.90 $93,688.27
86 $93,688.27 $861.54 $0.00 $529.73 $95,079.54
87 $95,079.54 $861.54 $0.00 $537.59 $96,478.67
88 $96,478.67 $861.54 $0.00 $545.50 $97,885.71
89 $97,885.71 $861.54 $0.00 $553.46 $99,300.71
90 $99,300.71 $861.54 $0.00 $561.46 $100,723.71
91 $100,723.71 $861.54 $0.00 $569.51 $102,154.76
92 $102,154.76 $861.54 $0.00 $577.60 $103,593.90
93 $103,593.90 $861.54 $0.00 $585.73 $105,041.17
94 $105,041.17 $861.54 $0.00 $593.92 $106,496.63
95 $106,496.63 $861.54 $0.00 $602.15 $107,960.32
96 $107,960.32 $861.54 $0.00 $610.42 $109,432.28
97 $109,432.28 $861.54 $0.00 $618.75 $110,912.57
98 $110,912.57 $861.54 $0.00 $627.12 $112,401.23
99 $112,401.23 $861.54 $0.00 $635.53 $113,898.30
100 $113,898.30 $861.54 $0.00 $644.00 $115,403.84
101 $115,403.84 $861.54 $0.00 $652.51 $116,917.89
102 $116,917.89 $861.54 $0.00 $661.07 $118,440.50
103 $118,440.50 $861.54 $0.00 $669.68 $119,971.72
104 $119,971.72 $861.54 $0.00 $678.34 $121,511.60
105 $121,511.60 $861.54 $0.00 $687.04 $123,060.18
106 $123,060.18 $861.54 $0.00 $695.80 $124,617.52
107 $124,617.52 $861.54 $0.00 $704.61 $126,183.67
108 $126,183.67 $861.54 $0.00 $713.46 $127,758.67
109 $127,758.67 $861.54 $0.00 $722.37 $129,342.58
110 $129,342.58 $861.54 $0.00 $731.32 $130,935.44
111 $130,935.44 $861.54 $0.00 $740.33 $132,537.31
112 $132,537.31 $861.54 $0.00 $749.39 $134,148.24
113 $134,148.24 $861.54 $0.00 $758.49 $135,768.27
114 $135,768.27 $861.54 $0.00 $767.65 $137,397.46
115 $137,397.46 $861.54 $0.00 $776.87 $139,035.87
116 $139,035.87 $861.54 $0.00 $786.13 $140,683.54
117 $140,683.54 $861.54 $0.00 $795.45 $142,340.53
118 $142,340.53 $861.54 $0.00 $804.81 $144,006.88
119 $144,006.88 $861.54 $0.00 $814.24 $145,682.66
120 $145,682.66 $861.54 $0.00 $823.71 $147,367.91
121 $147,367.91 $861.54 $0.00 $833.24 $149,062.69
122 $149,062.69 $861.54 $0.00 $842.82 $150,767.05
123 $150,767.05 $861.54 $0.00 $852.46 $152,481.05
124 $152,481.05 $861.54 $0.00 $862.15 $154,204.74
125 $154,204.74 $861.54 $0.00 $871.90 $155,938.18
126 $155,938.18 $861.54 $0.00 $881.70 $157,681.42
127 $157,681.42 $861.54 $0.00 $891.55 $159,434.51
128 $159,434.51 $861.54 $0.00 $901.47 $161,197.52
129 $161,197.52 $861.54 $0.00 $911.43 $162,970.49
130 $162,970.49 $861.54 $0.00 $921.46 $164,753.49
131 $164,753.49 $861.54 $0.00 $931.54 $166,546.57
132 $166,546.57 $861.54 $0.00 $941.68 $168,349.79
133 $168,349.79 $861.54 $0.00 $951.87 $170,163.20
134 $170,163.20 $861.54 $0.00 $962.13 $171,986.87
135 $171,986.87 $861.54 $0.00 $972.44 $173,820.85
136 $173,820.85 $861.54 $0.00 $982.81 $175,665.20
137 $175,665.20 $861.54 $0.00 $993.24 $177,519.98
138 $177,519.98 $861.54 $0.00 $1,003.72 $179,385.24
139 $179,385.24 $861.54 $0.00 $1,014.27 $181,261.05
140 $181,261.05 $861.54 $0.00 $1,024.88 $183,147.47
141 $183,147.47 $861.54 $0.00 $1,035.54 $185,044.55
142 $185,044.55 $861.54 $0.00 $1,046.27 $186,952.36
143 $186,952.36 $861.54 $0.00 $1,057.06 $188,870.96
144 $188,870.96 $861.54 $0.00 $1,067.90 $190,800.40
145 $190,800.40 $861.54 $0.00 $1,078.81 $192,740.75
146 $192,740.75 $861.54 $0.00 $1,089.78 $194,692.07
147 $194,692.07 $861.54 $0.00 $1,100.82 $196,654.43
148 $196,654.43 $861.54 $0.00 $1,111.91 $198,627.88
149 $198,627.88 $861.54 $0.00 $1,123.07 $200,612.49
150 $200,612.49 $861.54 $0.00 $1,134.29 $202,608.32
151 $202,608.32 $861.54 $0.00 $1,145.58 $204,615.44
152 $204,615.44 $861.54 $0.00 $1,156.93 $206,633.91
153 $206,633.91 $861.54 $0.00 $1,168.34 $208,663.79
154 $208,663.79 $861.54 $0.00 $1,179.82 $210,705.15
155 $210,705.15 $861.54 $0.00 $1,191.36 $212,758.05
156 $212,758.05 $861.54 $0.00 $1,202.96 $214,822.55
157 $214,822.55 $861.54 $0.00 $1,214.64 $216,898.73
158 $216,898.73 $861.54 $0.00 $1,226.38 $218,986.65
159 $218,986.65 $861.54 $0.00 $1,238.18 $221,086.37
160 $221,086.37 $861.54 $0.00 $1,250.05 $223,197.96
161 $223,197.96 $861.54 $0.00 $1,261.99 $225,321.49
162 $225,321.49 $861.54 $0.00 $1,274.00 $227,457.03
163 $227,457.03 $861.54 $0.00 $1,286.08 $229,604.65
164 $229,604.65 $861.54 $0.00 $1,298.22 $231,764.41
165 $231,764.41 $861.54 $0.00 $1,310.43 $233,936.38
166 $233,936.38 $861.54 $0.00 $1,322.71 $236,120.63
167 $236,120.63 $861.54 $0.00 $1,335.06 $238,317.23
168 $238,317.23 $861.54 $0.00 $1,347.48 $240,526.25
169 $240,526.25 $861.54 $0.00 $1,359.97 $242,747.76
170 $242,747.76 $861.54 $0.00 $1,372.53 $244,981.83
171 $244,981.83 $861.54 $0.00 $1,385.16 $247,228.53
172 $247,228.53 $861.54 $0.00 $1,397.87 $249,487.94
173 $249,487.94 $861.54 $0.00 $1,410.64 $251,760.12
174 $251,760.12 $861.54 $0.00 $1,423.49 $254,045.15
175 $254,045.15 $861.54 $0.00 $1,436.41 $256,343.10
176 $256,343.10 $861.54 $0.00 $1,449.40 $258,654.04
177 $258,654.04 $861.54 $0.00 $1,462.47 $260,978.05
178 $260,978.05 $861.54 $0.00 $1,475.61 $263,315.20
179 $263,315.20 $861.54 $0.00 $1,488.82 $265,665.56
180 $265,665.56 $861.54 $0.00 $1,502.11 $268,029.21
181 $268,029.21 $861.54 $0.00 $1,515.48 $270,406.23
182 $270,406.23 $861.54 $0.00 $1,528.92 $272,796.69
183 $272,796.69 $861.54 $0.00 $1,542.43 $275,200.66
184 $275,200.66 $861.54 $0.00 $1,556.02 $277,618.22
185 $277,618.22 $861.54 $0.00 $1,569.69 $280,049.45
186 $280,049.45 $861.54 $0.00 $1,583.44 $282,494.43
187 $282,494.43 $861.54 $0.00 $1,597.26 $284,953.23
188 $284,953.23 $861.54 $0.00 $1,611.17 $287,425.94
189 $287,425.94 $861.54 $0.00 $1,625.15 $289,912.63
190 $289,912.63 $861.54 $0.00 $1,639.21 $292,413.38
191 $292,413.38 $861.54 $0.00 $1,653.35 $294,928.27
192 $294,928.27 $861.54 $0.00 $1,667.57 $297,457.38
193 $297,457.38 $861.54 $0.00 $1,681.87 $300,000.79
194 $300,000.79 $861.54 $0.00 $1,696.25 $302,558.58
195 $302,558.58 $861.54 $0.00 $1,710.71 $305,130.83
196 $305,130.83 $861.54 $0.00 $1,725.25 $307,717.62
197 $307,717.62 $861.54 $0.00 $1,739.88 $310,319.04
198 $310,319.04 $861.54 $0.00 $1,754.59 $312,935.17
199 $312,935.17 $861.54 $0.00 $1,769.38 $315,566.09
200 $315,566.09 $861.54 $0.00 $1,784.26 $318,211.89
201 $318,211.89 $861.54 $0.00 $1,799.22 $320,872.65
202 $320,872.65 $861.54 $0.00 $1,814.26 $323,548.45
203 $323,548.45 $861.54 $0.00 $1,829.39 $326,239.38
204 $326,239.38 $861.54 $0.00 $1,844.60 $328,945.52
205 $328,945.52 $861.54 $0.00 $1,859.91 $331,666.97
206 $331,666.97 $861.54 $0.00 $1,875.29 $334,403.80
207 $334,403.80 $861.54 $0.00 $1,890.77 $337,156.11
208 $337,156.11 $861.54 $0.00 $1,906.33 $339,923.98
209 $339,923.98 $861.54 $0.00 $1,921.98 $342,707.50
210 $342,707.50 $861.54 $0.00 $1,937.72 $345,506.76
211 $345,506.76 $861.54 $0.00 $1,953.55 $348,321.85
212 $348,321.85 $861.54 $0.00 $1,969.46 $351,152.85
213 $351,152.85 $861.54 $0.00 $1,985.47 $353,999.86
214 $353,999.86 $861.54 $0.00 $2,001.57 $356,862.97
215 $356,862.97 $861.54 $0.00 $2,017.76 $359,742.27
216 $359,742.27 $861.54 $0.00 $2,034.04 $362,637.85
217 $362,637.85 $861.54 $101,005.81 $2,050.41 $264,543.99
218 $264,543.99 $861.54 $0.00 $1,495.77 $266,901.30
219 $266,901.30 $861.54 $0.00 $1,509.10 $269,271.94
220 $269,271.94 $861.54 $0.00 $1,522.50 $271,655.98
221 $271,655.98 $861.54 $0.00 $1,535.98 $274,053.50
222 $274,053.50 $861.54 $0.00 $1,549.54 $276,464.58
223 $276,464.58 $861.54 $0.00 $1,563.17 $278,889.29
224 $278,889.29 $861.54 $0.00 $1,576.88 $281,327.71
225 $281,327.71 $861.54 $0.00 $1,590.67 $283,779.92
226 $283,779.92 $861.54 $0.00 $1,604.53 $286,245.99
227 $286,245.99 $861.54 $0.00 $1,618.48 $288,726.01
228 $288,726.01 $861.54 $0.00 $1,632.50 $291,220.05
229 $291,220.05 $861.54 $106,056.10 $1,646.60 $187,672.09
230 $187,672.09 $861.54 $0.00 $1,061.13 $189,594.76
231 $189,594.76 $861.54 $0.00 $1,072.00 $191,528.30
232 $191,528.30 $861.54 $0.00 $1,082.93 $193,472.77
233 $193,472.77 $861.54 $0.00 $1,093.92 $195,428.23
234 $195,428.23 $861.54 $0.00 $1,104.98 $197,394.75
235 $197,394.75 $861.54 $0.00 $1,116.10 $199,372.39
236 $199,372.39 $861.54 $0.00 $1,127.28 $201,361.21
237 $201,361.21 $861.54 $0.00 $1,138.53 $203,361.28
238 $203,361.28 $861.54 $0.00 $1,149.83 $205,372.65
239 $205,372.65 $861.54 $0.00 $1,161.21 $207,395.40
240 $207,395.40 $861.54 $0.00 $1,172.64 $209,429.58
241 $209,429.58 $861.54 $111,358.90 $1,184.15 $100,116.37
242 $100,116.37 $861.54 $0.00 $566.07 $101,543.98
243 $101,543.98 $861.54 $0.00 $574.14 $102,979.66
244 $102,979.66 $861.54 $0.00 $582.26 $104,423.46
245 $104,423.46 $861.54 $0.00 $590.43 $105,875.43
246 $105,875.43 $861.54 $0.00 $598.64 $107,335.61
247 $107,335.61 $861.54 $0.00 $606.89 $108,804.04
248 $108,804.04 $861.54 $0.00 $615.19 $110,280.77
249 $110,280.77 $861.54 $0.00 $623.54 $111,765.85
250 $111,765.85 $861.54 $0.00 $631.94 $113,259.33
251 $113,259.33 $861.54 $0.00 $640.38 $114,761.25
252 $114,761.25 $861.54 $0.00 $648.88 $116,271.67
253 $116,271.67 $0.00 $116,926.85 $657.42 $2.24