Savings Plan and Future Cost Estimation for University of South Dakota

How much will it cost and what do you need to save?

Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2040$60,946
Monthly savings required$482

How much will it cost to send your child to University of South Dakota in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $243,782.24 for students enrolling in 2040 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $482.43 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$23,502.00
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 $482.43 $0.00 $0.00 $482.43
2 $482.43 $482.43 $0.00 $2.73 $967.59
3 $967.59 $482.43 $0.00 $5.47 $1,455.49
4 $1,455.49 $482.43 $0.00 $8.23 $1,946.15
5 $1,946.15 $482.43 $0.00 $11.00 $2,439.58
6 $2,439.58 $482.43 $0.00 $13.79 $2,935.80
7 $2,935.80 $482.43 $0.00 $16.60 $3,434.83
8 $3,434.83 $482.43 $0.00 $19.42 $3,936.68
9 $3,936.68 $482.43 $0.00 $22.26 $4,441.37
10 $4,441.37 $482.43 $0.00 $25.11 $4,948.91
11 $4,948.91 $482.43 $0.00 $27.98 $5,459.32
12 $5,459.32 $482.43 $0.00 $30.87 $5,972.62
13 $5,972.62 $482.43 $0.00 $33.77 $6,488.82
14 $6,488.82 $482.43 $0.00 $36.69 $7,007.94
15 $7,007.94 $482.43 $0.00 $39.62 $7,529.99
16 $7,529.99 $482.43 $0.00 $42.58 $8,055.00
17 $8,055.00 $482.43 $0.00 $45.54 $8,582.97
18 $8,582.97 $482.43 $0.00 $48.53 $9,113.93
19 $9,113.93 $482.43 $0.00 $51.53 $9,647.89
20 $9,647.89 $482.43 $0.00 $54.55 $10,184.87
21 $10,184.87 $482.43 $0.00 $57.59 $10,724.89
22 $10,724.89 $482.43 $0.00 $60.64 $11,267.96
23 $11,267.96 $482.43 $0.00 $63.71 $11,814.10
24 $11,814.10 $482.43 $0.00 $66.80 $12,363.33
25 $12,363.33 $482.43 $0.00 $69.90 $12,915.66
26 $12,915.66 $482.43 $0.00 $73.03 $13,471.12
27 $13,471.12 $482.43 $0.00 $76.17 $14,029.72
28 $14,029.72 $482.43 $0.00 $79.33 $14,591.48
29 $14,591.48 $482.43 $0.00 $82.50 $15,156.41
30 $15,156.41 $482.43 $0.00 $85.70 $15,724.54
31 $15,724.54 $482.43 $0.00 $88.91 $16,295.88
32 $16,295.88 $482.43 $0.00 $92.14 $16,870.45
33 $16,870.45 $482.43 $0.00 $95.39 $17,448.27
34 $17,448.27 $482.43 $0.00 $98.66 $18,029.36
35 $18,029.36 $482.43 $0.00 $101.94 $18,613.73
36 $18,613.73 $482.43 $0.00 $105.24 $19,201.40
37 $19,201.40 $482.43 $0.00 $108.57 $19,792.40
38 $19,792.40 $482.43 $0.00 $111.91 $20,386.74
39 $20,386.74 $482.43 $0.00 $115.27 $20,984.44
40 $20,984.44 $482.43 $0.00 $118.65 $21,585.52
41 $21,585.52 $482.43 $0.00 $122.05 $22,190.00
42 $22,190.00 $482.43 $0.00 $125.47 $22,797.90
43 $22,797.90 $482.43 $0.00 $128.90 $23,409.23
44 $23,409.23 $482.43 $0.00 $132.36 $24,024.02
45 $24,024.02 $482.43 $0.00 $135.84 $24,642.29
46 $24,642.29 $482.43 $0.00 $139.33 $25,264.05
47 $25,264.05 $482.43 $0.00 $142.85 $25,889.33
48 $25,889.33 $482.43 $0.00 $146.38 $26,518.14
49 $26,518.14 $482.43 $0.00 $149.94 $27,150.51
50 $27,150.51 $482.43 $0.00 $153.51 $27,786.45
51 $27,786.45 $482.43 $0.00 $157.11 $28,425.99
52 $28,425.99 $482.43 $0.00 $160.72 $29,069.14
53 $29,069.14 $482.43 $0.00 $164.36 $29,715.93
54 $29,715.93 $482.43 $0.00 $168.02 $30,366.38
55 $30,366.38 $482.43 $0.00 $171.70 $31,020.51
56 $31,020.51 $482.43 $0.00 $175.39 $31,678.33
57 $31,678.33 $482.43 $0.00 $179.11 $32,339.87
58 $32,339.87 $482.43 $0.00 $182.85 $33,005.15
59 $33,005.15 $482.43 $0.00 $186.62 $33,674.20
60 $33,674.20 $482.43 $0.00 $190.40 $34,347.03
61 $34,347.03 $482.43 $0.00 $194.20 $35,023.66
62 $35,023.66 $482.43 $0.00 $198.03 $35,704.12
63 $35,704.12 $482.43 $0.00 $201.88 $36,388.43
64 $36,388.43 $482.43 $0.00 $205.75 $37,076.61
65 $37,076.61 $482.43 $0.00 $209.64 $37,768.68
66 $37,768.68 $482.43 $0.00 $213.55 $38,464.66
67 $38,464.66 $482.43 $0.00 $217.48 $39,164.57
68 $39,164.57 $482.43 $0.00 $221.44 $39,868.44
69 $39,868.44 $482.43 $0.00 $225.42 $40,576.29
70 $40,576.29 $482.43 $0.00 $229.42 $41,288.14
71 $41,288.14 $482.43 $0.00 $233.45 $42,004.02
72 $42,004.02 $482.43 $0.00 $237.50 $42,723.95
73 $42,723.95 $482.43 $0.00 $241.57 $43,447.95
74 $43,447.95 $482.43 $0.00 $245.66 $44,176.04
75 $44,176.04 $482.43 $0.00 $249.78 $44,908.25
76 $44,908.25 $482.43 $0.00 $253.92 $45,644.60
77 $45,644.60 $482.43 $0.00 $258.08 $46,385.11
78 $46,385.11 $482.43 $0.00 $262.27 $47,129.81
79 $47,129.81 $482.43 $0.00 $266.48 $47,878.72
80 $47,878.72 $482.43 $0.00 $270.71 $48,631.86
81 $48,631.86 $482.43 $0.00 $274.97 $49,389.26
82 $49,389.26 $482.43 $0.00 $279.25 $50,150.94
83 $50,150.94 $482.43 $0.00 $283.56 $50,916.93
84 $50,916.93 $482.43 $0.00 $287.89 $51,687.25
85 $51,687.25 $482.43 $0.00 $292.25 $52,461.93
86 $52,461.93 $482.43 $0.00 $296.63 $53,240.99
87 $53,240.99 $482.43 $0.00 $301.03 $54,024.45
88 $54,024.45 $482.43 $0.00 $305.46 $54,812.34
89 $54,812.34 $482.43 $0.00 $309.92 $55,604.69
90 $55,604.69 $482.43 $0.00 $314.40 $56,401.52
91 $56,401.52 $482.43 $0.00 $318.90 $57,202.85
92 $57,202.85 $482.43 $0.00 $323.43 $58,008.71
93 $58,008.71 $482.43 $0.00 $327.99 $58,819.13
94 $58,819.13 $482.43 $0.00 $332.57 $59,634.13
95 $59,634.13 $482.43 $0.00 $337.18 $60,453.74
96 $60,453.74 $482.43 $0.00 $341.81 $61,277.98
97 $61,277.98 $482.43 $0.00 $346.47 $62,106.88
98 $62,106.88 $482.43 $0.00 $351.16 $62,940.47
99 $62,940.47 $482.43 $0.00 $355.87 $63,778.77
100 $63,778.77 $482.43 $0.00 $360.61 $64,621.81
101 $64,621.81 $482.43 $0.00 $365.38 $65,469.62
102 $65,469.62 $482.43 $0.00 $370.17 $66,322.22
103 $66,322.22 $482.43 $0.00 $375.00 $67,179.65
104 $67,179.65 $482.43 $0.00 $379.84 $68,041.92
105 $68,041.92 $482.43 $0.00 $384.72 $68,909.07
106 $68,909.07 $482.43 $0.00 $389.62 $69,781.12
107 $69,781.12 $482.43 $0.00 $394.55 $70,658.10
108 $70,658.10 $482.43 $0.00 $399.51 $71,540.04
109 $71,540.04 $482.43 $0.00 $404.50 $72,426.97
110 $72,426.97 $482.43 $0.00 $409.51 $73,318.91
111 $73,318.91 $482.43 $0.00 $414.56 $74,215.90
112 $74,215.90 $482.43 $0.00 $419.63 $75,117.96
113 $75,117.96 $482.43 $0.00 $424.73 $76,025.12
114 $76,025.12 $482.43 $0.00 $429.86 $76,937.41
115 $76,937.41 $482.43 $0.00 $435.02 $77,854.86
116 $77,854.86 $482.43 $0.00 $440.20 $78,777.49
117 $78,777.49 $482.43 $0.00 $445.42 $79,705.34
118 $79,705.34 $482.43 $0.00 $450.67 $80,638.44
119 $80,638.44 $482.43 $0.00 $455.94 $81,576.81
120 $81,576.81 $482.43 $0.00 $461.25 $82,520.49
121 $82,520.49 $482.43 $0.00 $466.58 $83,469.50
122 $83,469.50 $482.43 $0.00 $471.95 $84,423.88
123 $84,423.88 $482.43 $0.00 $477.34 $85,383.65
124 $85,383.65 $482.43 $0.00 $482.77 $86,348.85
125 $86,348.85 $482.43 $0.00 $488.23 $87,319.51
126 $87,319.51 $482.43 $0.00 $493.72 $88,295.66
127 $88,295.66 $482.43 $0.00 $499.24 $89,277.33
128 $89,277.33 $482.43 $0.00 $504.79 $90,264.55
129 $90,264.55 $482.43 $0.00 $510.37 $91,257.35
130 $91,257.35 $482.43 $0.00 $515.98 $92,255.76
131 $92,255.76 $482.43 $0.00 $521.63 $93,259.82
132 $93,259.82 $482.43 $0.00 $527.30 $94,269.55
133 $94,269.55 $482.43 $0.00 $533.01 $95,284.99
134 $95,284.99 $482.43 $0.00 $538.76 $96,306.18
135 $96,306.18 $482.43 $0.00 $544.53 $97,333.14
136 $97,333.14 $482.43 $0.00 $550.34 $98,365.91
137 $98,365.91 $482.43 $0.00 $556.18 $99,404.52
138 $99,404.52 $482.43 $0.00 $562.05 $100,449.00
139 $100,449.00 $482.43 $0.00 $567.95 $101,499.38
140 $101,499.38 $482.43 $0.00 $573.89 $102,555.70
141 $102,555.70 $482.43 $0.00 $579.86 $103,617.99
142 $103,617.99 $482.43 $0.00 $585.87 $104,686.29
143 $104,686.29 $482.43 $0.00 $591.91 $105,760.63
144 $105,760.63 $482.43 $0.00 $597.99 $106,841.05
145 $106,841.05 $482.43 $0.00 $604.09 $107,927.57
146 $107,927.57 $482.43 $0.00 $610.24 $109,020.24
147 $109,020.24 $482.43 $0.00 $616.42 $110,119.09
148 $110,119.09 $482.43 $0.00 $622.63 $111,224.15
149 $111,224.15 $482.43 $0.00 $628.88 $112,335.46
150 $112,335.46 $482.43 $0.00 $635.16 $113,453.05
151 $113,453.05 $482.43 $0.00 $641.48 $114,576.96
152 $114,576.96 $482.43 $0.00 $647.83 $115,707.22
153 $115,707.22 $482.43 $0.00 $654.23 $116,843.88
154 $116,843.88 $482.43 $0.00 $660.65 $117,986.96
155 $117,986.96 $482.43 $0.00 $667.12 $119,136.51
156 $119,136.51 $482.43 $0.00 $673.62 $120,292.56
157 $120,292.56 $482.43 $0.00 $680.15 $121,455.14
158 $121,455.14 $482.43 $0.00 $686.73 $122,624.30
159 $122,624.30 $482.43 $0.00 $693.34 $123,800.07
160 $123,800.07 $482.43 $0.00 $699.98 $124,982.48
161 $124,982.48 $482.43 $0.00 $706.67 $126,171.58
162 $126,171.58 $482.43 $0.00 $713.39 $127,367.40
163 $127,367.40 $482.43 $0.00 $720.15 $128,569.98
164 $128,569.98 $482.43 $0.00 $726.95 $129,779.36
165 $129,779.36 $482.43 $0.00 $733.79 $130,995.58
166 $130,995.58 $482.43 $0.00 $740.67 $132,218.68
167 $132,218.68 $482.43 $0.00 $747.58 $133,448.69
168 $133,448.69 $482.43 $0.00 $754.54 $134,685.66
169 $134,685.66 $482.43 $0.00 $761.53 $135,929.62
170 $135,929.62 $482.43 $0.00 $768.57 $137,180.62
171 $137,180.62 $482.43 $0.00 $775.64 $138,438.69
172 $138,438.69 $482.43 $0.00 $782.75 $139,703.87
173 $139,703.87 $482.43 $0.00 $789.91 $140,976.21
174 $140,976.21 $482.43 $0.00 $797.10 $142,255.74
175 $142,255.74 $482.43 $0.00 $804.33 $143,542.50
176 $143,542.50 $482.43 $0.00 $811.61 $144,836.54
177 $144,836.54 $482.43 $0.00 $818.93 $146,137.90
178 $146,137.90 $482.43 $0.00 $826.28 $147,446.61
179 $147,446.61 $482.43 $0.00 $833.68 $148,762.72
180 $148,762.72 $482.43 $0.00 $841.13 $150,086.28
181 $150,086.28 $482.43 $0.00 $848.61 $151,417.32
182 $151,417.32 $482.43 $0.00 $856.14 $152,755.89
183 $152,755.89 $482.43 $0.00 $863.70 $154,102.02
184 $154,102.02 $482.43 $0.00 $871.32 $155,455.77
185 $155,455.77 $482.43 $0.00 $878.97 $156,817.17
186 $156,817.17 $482.43 $0.00 $886.67 $158,186.27
187 $158,186.27 $482.43 $0.00 $894.41 $159,563.11
188 $159,563.11 $482.43 $0.00 $902.19 $160,947.73
189 $160,947.73 $482.43 $0.00 $910.02 $162,340.18
190 $162,340.18 $482.43 $0.00 $917.89 $163,740.50
191 $163,740.50 $482.43 $0.00 $925.81 $165,148.74
192 $165,148.74 $482.43 $0.00 $933.77 $166,564.94
193 $166,564.94 $482.43 $0.00 $941.78 $167,989.15
194 $167,989.15 $482.43 $0.00 $949.84 $169,421.42
195 $169,421.42 $482.43 $0.00 $957.93 $170,861.78
196 $170,861.78 $482.43 $0.00 $966.08 $172,310.29
197 $172,310.29 $482.43 $0.00 $974.27 $173,766.99
198 $173,766.99 $482.43 $0.00 $982.50 $175,231.92
199 $175,231.92 $482.43 $0.00 $990.79 $176,705.14
200 $176,705.14 $482.43 $0.00 $999.12 $178,186.69
201 $178,186.69 $482.43 $0.00 $1,007.49 $179,676.61
202 $179,676.61 $482.43 $0.00 $1,015.92 $181,174.96
203 $181,174.96 $482.43 $0.00 $1,024.39 $182,681.78
204 $182,681.78 $482.43 $0.00 $1,032.91 $184,197.12
205 $184,197.12 $482.43 $0.00 $1,041.48 $185,721.03
206 $185,721.03 $482.43 $0.00 $1,050.09 $187,253.55
207 $187,253.55 $482.43 $0.00 $1,058.76 $188,794.74
208 $188,794.74 $482.43 $0.00 $1,067.47 $190,344.64
209 $190,344.64 $482.43 $0.00 $1,076.24 $191,903.31
210 $191,903.31 $482.43 $0.00 $1,085.05 $193,470.79
211 $193,470.79 $482.43 $0.00 $1,093.91 $195,047.13
212 $195,047.13 $482.43 $0.00 $1,102.82 $196,632.38
213 $196,632.38 $482.43 $0.00 $1,111.79 $198,226.60
214 $198,226.60 $482.43 $0.00 $1,120.80 $199,829.83
215 $199,829.83 $482.43 $0.00 $1,129.87 $201,442.13
216 $201,442.13 $482.43 $0.00 $1,138.98 $203,063.54
217 $203,063.54 $482.43 $56,560.37 $1,148.15 $148,133.75
218 $148,133.75 $482.43 $0.00 $837.57 $149,453.75
219 $149,453.75 $482.43 $0.00 $845.03 $150,781.21
220 $150,781.21 $482.43 $0.00 $852.54 $152,116.18
221 $152,116.18 $482.43 $0.00 $860.09 $153,458.70
222 $153,458.70 $482.43 $0.00 $867.68 $154,808.81
223 $154,808.81 $482.43 $0.00 $875.31 $156,166.55
224 $156,166.55 $482.43 $0.00 $882.99 $157,531.97
225 $157,531.97 $482.43 $0.00 $890.71 $158,905.11
226 $158,905.11 $482.43 $0.00 $898.47 $160,286.01
227 $160,286.01 $482.43 $0.00 $906.28 $161,674.72
228 $161,674.72 $482.43 $0.00 $914.13 $163,071.28
229 $163,071.28 $482.43 $59,388.38 $922.03 $105,087.36
230 $105,087.36 $482.43 $0.00 $594.18 $106,163.97
231 $106,163.97 $482.43 $0.00 $600.27 $107,246.67
232 $107,246.67 $482.43 $0.00 $606.39 $108,335.49
233 $108,335.49 $482.43 $0.00 $612.54 $109,430.46
234 $109,430.46 $482.43 $0.00 $618.74 $110,531.63
235 $110,531.63 $482.43 $0.00 $624.96 $111,639.02
236 $111,639.02 $482.43 $0.00 $631.22 $112,752.67
237 $112,752.67 $482.43 $0.00 $637.52 $113,872.62
238 $113,872.62 $482.43 $0.00 $643.85 $114,998.90
239 $114,998.90 $482.43 $0.00 $650.22 $116,131.55
240 $116,131.55 $482.43 $0.00 $656.62 $117,270.60
241 $117,270.60 $482.43 $62,357.80 $663.07 $56,058.30
242 $56,058.30 $482.43 $0.00 $316.96 $56,857.69
243 $56,857.69 $482.43 $0.00 $321.48 $57,661.60
244 $57,661.60 $482.43 $0.00 $326.03 $58,470.06
245 $58,470.06 $482.43 $0.00 $330.60 $59,283.09
246 $59,283.09 $482.43 $0.00 $335.20 $60,100.72
247 $60,100.72 $482.43 $0.00 $339.82 $60,922.97
248 $60,922.97 $482.43 $0.00 $344.47 $61,749.87
249 $61,749.87 $482.43 $0.00 $349.14 $62,581.44
250 $62,581.44 $482.43 $0.00 $353.84 $63,417.71
251 $63,417.71 $482.43 $0.00 $358.57 $64,258.71
252 $64,258.71 $482.43 $0.00 $363.33 $65,104.47
253 $65,104.47 $0.00 $65,475.69 $368.11 ($3.11)