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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$33,163
Monthly savings required$147

How much will it cost to send your child to Central Texas College in 18 years and how much do you need to save?  A 2 year degree is estimated to be priced at $66,326.91 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $147.39 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$13,444.00
Years until enrollment18
Annual Tuition Increase5%
Current Savings$0.00
After Tax Return on Savings7%
Years of enrollment2

Current Savings Shortfall

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Planned Savings Balance

College Savings Schedule

Month Begin Deposit Withdraw Interest End
1 $0.00 $147.39 $0.00 $0.00 $147.39
2 $147.39 $147.39 $0.00 $0.83 $295.61
3 $295.61 $147.39 $0.00 $1.67 $444.67
4 $444.67 $147.39 $0.00 $2.51 $594.57
5 $594.57 $147.39 $0.00 $3.36 $745.32
6 $745.32 $147.39 $0.00 $4.21 $896.92
7 $896.92 $147.39 $0.00 $5.07 $1,049.38
8 $1,049.38 $147.39 $0.00 $5.93 $1,202.70
9 $1,202.70 $147.39 $0.00 $6.80 $1,356.89
10 $1,356.89 $147.39 $0.00 $7.67 $1,511.95
11 $1,511.95 $147.39 $0.00 $8.55 $1,667.89
12 $1,667.89 $147.39 $0.00 $9.43 $1,824.71
13 $1,824.71 $147.39 $0.00 $10.32 $1,982.42
14 $1,982.42 $147.39 $0.00 $11.21 $2,141.02
15 $2,141.02 $147.39 $0.00 $12.11 $2,300.52
16 $2,300.52 $147.39 $0.00 $13.01 $2,460.92
17 $2,460.92 $147.39 $0.00 $13.91 $2,622.22
18 $2,622.22 $147.39 $0.00 $14.83 $2,784.44
19 $2,784.44 $147.39 $0.00 $15.74 $2,947.57
20 $2,947.57 $147.39 $0.00 $16.67 $3,111.63
21 $3,111.63 $147.39 $0.00 $17.59 $3,276.61
22 $3,276.61 $147.39 $0.00 $18.53 $3,442.53
23 $3,442.53 $147.39 $0.00 $19.46 $3,609.38
24 $3,609.38 $147.39 $0.00 $20.41 $3,777.18
25 $3,777.18 $147.39 $0.00 $21.36 $3,945.93
26 $3,945.93 $147.39 $0.00 $22.31 $4,115.63
27 $4,115.63 $147.39 $0.00 $23.27 $4,286.29
28 $4,286.29 $147.39 $0.00 $24.24 $4,457.92
29 $4,457.92 $147.39 $0.00 $25.21 $4,630.52
30 $4,630.52 $147.39 $0.00 $26.18 $4,804.09
31 $4,804.09 $147.39 $0.00 $27.16 $4,978.64
32 $4,978.64 $147.39 $0.00 $28.15 $5,154.18
33 $5,154.18 $147.39 $0.00 $29.14 $5,330.71
34 $5,330.71 $147.39 $0.00 $30.14 $5,508.24
35 $5,508.24 $147.39 $0.00 $31.14 $5,686.77
36 $5,686.77 $147.39 $0.00 $32.15 $5,866.31
37 $5,866.31 $147.39 $0.00 $33.17 $6,046.87
38 $6,046.87 $147.39 $0.00 $34.19 $6,228.45
39 $6,228.45 $147.39 $0.00 $35.22 $6,411.06
40 $6,411.06 $147.39 $0.00 $36.25 $6,594.70
41 $6,594.70 $147.39 $0.00 $37.29 $6,779.38
42 $6,779.38 $147.39 $0.00 $38.33 $6,965.10
43 $6,965.10 $147.39 $0.00 $39.38 $7,151.87
44 $7,151.87 $147.39 $0.00 $40.44 $7,339.70
45 $7,339.70 $147.39 $0.00 $41.50 $7,528.59
46 $7,528.59 $147.39 $0.00 $42.57 $7,718.55
47 $7,718.55 $147.39 $0.00 $43.64 $7,909.58
48 $7,909.58 $147.39 $0.00 $44.72 $8,101.69
49 $8,101.69 $147.39 $0.00 $45.81 $8,294.89
50 $8,294.89 $147.39 $0.00 $46.90 $8,489.18
51 $8,489.18 $147.39 $0.00 $48.00 $8,684.57
52 $8,684.57 $147.39 $0.00 $49.10 $8,881.06
53 $8,881.06 $147.39 $0.00 $50.21 $9,078.66
54 $9,078.66 $147.39 $0.00 $51.33 $9,277.38
55 $9,277.38 $147.39 $0.00 $52.46 $9,477.23
56 $9,477.23 $147.39 $0.00 $53.59 $9,678.21
57 $9,678.21 $147.39 $0.00 $54.72 $9,880.32
58 $9,880.32 $147.39 $0.00 $55.86 $10,083.57
59 $10,083.57 $147.39 $0.00 $57.01 $10,287.97
60 $10,287.97 $147.39 $0.00 $58.17 $10,493.53
61 $10,493.53 $147.39 $0.00 $59.33 $10,700.25
62 $10,700.25 $147.39 $0.00 $60.50 $10,908.14
63 $10,908.14 $147.39 $0.00 $61.68 $11,117.21
64 $11,117.21 $147.39 $0.00 $62.86 $11,327.46
65 $11,327.46 $147.39 $0.00 $64.05 $11,538.90
66 $11,538.90 $147.39 $0.00 $65.24 $11,751.53
67 $11,751.53 $147.39 $0.00 $66.44 $11,965.36
68 $11,965.36 $147.39 $0.00 $67.65 $12,180.40
69 $12,180.40 $147.39 $0.00 $68.87 $12,396.66
70 $12,396.66 $147.39 $0.00 $70.09 $12,614.14
71 $12,614.14 $147.39 $0.00 $71.32 $12,832.85
72 $12,832.85 $147.39 $0.00 $72.56 $13,052.80
73 $13,052.80 $147.39 $0.00 $73.80 $13,273.99
74 $13,273.99 $147.39 $0.00 $75.05 $13,496.43
75 $13,496.43 $147.39 $0.00 $76.31 $13,720.13
76 $13,720.13 $147.39 $0.00 $77.58 $13,945.10
77 $13,945.10 $147.39 $0.00 $78.85 $14,171.34
78 $14,171.34 $147.39 $0.00 $80.13 $14,398.86
79 $14,398.86 $147.39 $0.00 $81.41 $14,627.66
80 $14,627.66 $147.39 $0.00 $82.71 $14,857.76
81 $14,857.76 $147.39 $0.00 $84.01 $15,089.16
82 $15,089.16 $147.39 $0.00 $85.32 $15,321.87
83 $15,321.87 $147.39 $0.00 $86.63 $15,555.89
84 $15,555.89 $147.39 $0.00 $87.96 $15,791.24
85 $15,791.24 $147.39 $0.00 $89.29 $16,027.92
86 $16,027.92 $147.39 $0.00 $90.62 $16,265.93
87 $16,265.93 $147.39 $0.00 $91.97 $16,505.29
88 $16,505.29 $147.39 $0.00 $93.32 $16,746.00
89 $16,746.00 $147.39 $0.00 $94.68 $16,988.07
90 $16,988.07 $147.39 $0.00 $96.05 $17,231.51
91 $17,231.51 $147.39 $0.00 $97.43 $17,476.33
92 $17,476.33 $147.39 $0.00 $98.81 $17,722.53
93 $17,722.53 $147.39 $0.00 $100.21 $17,970.13
94 $17,970.13 $147.39 $0.00 $101.61 $18,219.13
95 $18,219.13 $147.39 $0.00 $103.01 $18,469.53
96 $18,469.53 $147.39 $0.00 $104.43 $18,721.35
97 $18,721.35 $147.39 $0.00 $105.85 $18,974.59
98 $18,974.59 $147.39 $0.00 $107.29 $19,229.27
99 $19,229.27 $147.39 $0.00 $108.73 $19,485.39
100 $19,485.39 $147.39 $0.00 $110.17 $19,742.95
101 $19,742.95 $147.39 $0.00 $111.63 $20,001.97
102 $20,001.97 $147.39 $0.00 $113.09 $20,262.45
103 $20,262.45 $147.39 $0.00 $114.57 $20,524.41
104 $20,524.41 $147.39 $0.00 $116.05 $20,787.85
105 $20,787.85 $147.39 $0.00 $117.54 $21,052.78
106 $21,052.78 $147.39 $0.00 $119.04 $21,319.21
107 $21,319.21 $147.39 $0.00 $120.54 $21,587.14
108 $21,587.14 $147.39 $0.00 $122.06 $21,856.59
109 $21,856.59 $147.39 $0.00 $123.58 $22,127.56
110 $22,127.56 $147.39 $0.00 $125.11 $22,400.06
111 $22,400.06 $147.39 $0.00 $126.65 $22,674.10
112 $22,674.10 $147.39 $0.00 $128.20 $22,949.69
113 $22,949.69 $147.39 $0.00 $129.76 $23,226.84
114 $23,226.84 $147.39 $0.00 $131.33 $23,505.56
115 $23,505.56 $147.39 $0.00 $132.90 $23,785.85
116 $23,785.85 $147.39 $0.00 $134.49 $24,067.73
117 $24,067.73 $147.39 $0.00 $136.08 $24,351.20
118 $24,351.20 $147.39 $0.00 $137.69 $24,636.28
119 $24,636.28 $147.39 $0.00 $139.30 $24,922.97
120 $24,922.97 $147.39 $0.00 $140.92 $25,211.28
121 $25,211.28 $147.39 $0.00 $142.55 $25,501.22
122 $25,501.22 $147.39 $0.00 $144.19 $25,792.80
123 $25,792.80 $147.39 $0.00 $145.84 $26,086.03
124 $26,086.03 $147.39 $0.00 $147.49 $26,380.91
125 $26,380.91 $147.39 $0.00 $149.16 $26,677.46
126 $26,677.46 $147.39 $0.00 $150.84 $26,975.69
127 $26,975.69 $147.39 $0.00 $152.52 $27,275.60
128 $27,275.60 $147.39 $0.00 $154.22 $27,577.21
129 $27,577.21 $147.39 $0.00 $155.93 $27,880.53
130 $27,880.53 $147.39 $0.00 $157.64 $28,185.56
131 $28,185.56 $147.39 $0.00 $159.37 $28,492.32
132 $28,492.32 $147.39 $0.00 $161.10 $28,800.81
133 $28,800.81 $147.39 $0.00 $162.84 $29,111.04
134 $29,111.04 $147.39 $0.00 $164.60 $29,423.03
135 $29,423.03 $147.39 $0.00 $166.36 $29,736.78
136 $29,736.78 $147.39 $0.00 $168.14 $30,052.31
137 $30,052.31 $147.39 $0.00 $169.92 $30,369.62
138 $30,369.62 $147.39 $0.00 $171.71 $30,688.72
139 $30,688.72 $147.39 $0.00 $173.52 $31,009.63
140 $31,009.63 $147.39 $0.00 $175.33 $31,332.35
141 $31,332.35 $147.39 $0.00 $177.16 $31,656.90
142 $31,656.90 $147.39 $0.00 $178.99 $31,983.28
143 $31,983.28 $147.39 $0.00 $180.84 $32,311.51
144 $32,311.51 $147.39 $0.00 $182.69 $32,641.59
145 $32,641.59 $147.39 $0.00 $184.56 $32,973.54
146 $32,973.54 $147.39 $0.00 $186.44 $33,307.37
147 $33,307.37 $147.39 $0.00 $188.32 $33,643.08
148 $33,643.08 $147.39 $0.00 $190.22 $33,980.69
149 $33,980.69 $147.39 $0.00 $192.13 $34,320.21
150 $34,320.21 $147.39 $0.00 $194.05 $34,661.65
151 $34,661.65 $147.39 $0.00 $195.98 $35,005.02
152 $35,005.02 $147.39 $0.00 $197.92 $35,350.33
153 $35,350.33 $147.39 $0.00 $199.88 $35,697.60
154 $35,697.60 $147.39 $0.00 $201.84 $36,046.83
155 $36,046.83 $147.39 $0.00 $203.81 $36,398.03
156 $36,398.03 $147.39 $0.00 $205.80 $36,751.22
157 $36,751.22 $147.39 $0.00 $207.80 $37,106.41
158 $37,106.41 $147.39 $0.00 $209.81 $37,463.61
159 $37,463.61 $147.39 $0.00 $211.82 $37,822.82
160 $37,822.82 $147.39 $0.00 $213.86 $38,184.07
161 $38,184.07 $147.39 $0.00 $215.90 $38,547.36
162 $38,547.36 $147.39 $0.00 $217.95 $38,912.70
163 $38,912.70 $147.39 $0.00 $220.02 $39,280.11
164 $39,280.11 $147.39 $0.00 $222.10 $39,649.60
165 $39,649.60 $147.39 $0.00 $224.18 $40,021.17
166 $40,021.17 $147.39 $0.00 $226.29 $40,394.85
167 $40,394.85 $147.39 $0.00 $228.40 $40,770.64
168 $40,770.64 $147.39 $0.00 $230.52 $41,148.55
169 $41,148.55 $147.39 $0.00 $232.66 $41,528.60
170 $41,528.60 $147.39 $0.00 $234.81 $41,910.80
171 $41,910.80 $147.39 $0.00 $236.97 $42,295.16
172 $42,295.16 $147.39 $0.00 $239.14 $42,681.69
173 $42,681.69 $147.39 $0.00 $241.33 $43,070.41
174 $43,070.41 $147.39 $0.00 $243.53 $43,461.33
175 $43,461.33 $147.39 $0.00 $245.74 $43,854.46
176 $43,854.46 $147.39 $0.00 $247.96 $44,249.81
177 $44,249.81 $147.39 $0.00 $250.19 $44,647.39
178 $44,647.39 $147.39 $0.00 $252.44 $45,047.22
179 $45,047.22 $147.39 $0.00 $254.70 $45,449.31
180 $45,449.31 $147.39 $0.00 $256.98 $45,853.68
181 $45,853.68 $147.39 $0.00 $259.26 $46,260.33
182 $46,260.33 $147.39 $0.00 $261.56 $46,669.28
183 $46,669.28 $147.39 $0.00 $263.87 $47,080.54
184 $47,080.54 $147.39 $0.00 $266.20 $47,494.13
185 $47,494.13 $147.39 $0.00 $268.54 $47,910.06
186 $47,910.06 $147.39 $0.00 $270.89 $48,328.34
187 $48,328.34 $147.39 $0.00 $273.26 $48,748.99
188 $48,748.99 $147.39 $0.00 $275.63 $49,172.01
189 $49,172.01 $147.39 $0.00 $278.03 $49,597.43
190 $49,597.43 $147.39 $0.00 $280.43 $50,025.25
191 $50,025.25 $147.39 $0.00 $282.85 $50,455.49
192 $50,455.49 $147.39 $0.00 $285.28 $50,888.16
193 $50,888.16 $147.39 $0.00 $287.73 $51,323.28
194 $51,323.28 $147.39 $0.00 $290.19 $51,760.86
195 $51,760.86 $147.39 $0.00 $292.66 $52,200.91
196 $52,200.91 $147.39 $0.00 $295.15 $52,643.45
197 $52,643.45 $147.39 $0.00 $297.65 $53,088.49
198 $53,088.49 $147.39 $0.00 $300.17 $53,536.05
199 $53,536.05 $147.39 $0.00 $302.70 $53,986.14
200 $53,986.14 $147.39 $0.00 $305.25 $54,438.78
201 $54,438.78 $147.39 $0.00 $307.80 $54,893.97
202 $54,893.97 $147.39 $0.00 $310.38 $55,351.74
203 $55,351.74 $147.39 $0.00 $312.97 $55,812.10
204 $55,812.10 $147.39 $0.00 $315.57 $56,275.06
205 $56,275.06 $147.39 $0.00 $318.19 $56,740.64
206 $56,740.64 $147.39 $0.00 $320.82 $57,208.85
207 $57,208.85 $147.39 $0.00 $323.47 $57,679.71
208 $57,679.71 $147.39 $0.00 $326.13 $58,153.23
209 $58,153.23 $147.39 $0.00 $328.81 $58,629.43
210 $58,629.43 $147.39 $0.00 $331.50 $59,108.32
211 $59,108.32 $147.39 $0.00 $334.21 $59,589.92
212 $59,589.92 $147.39 $0.00 $336.93 $60,074.24
213 $60,074.24 $147.39 $0.00 $339.67 $60,561.30
214 $60,561.30 $147.39 $0.00 $342.42 $61,051.11
215 $61,051.11 $147.39 $0.00 $345.19 $61,543.69
216 $61,543.69 $147.39 $0.00 $347.98 $62,039.06
217 $62,039.06 $147.39 $32,354.59 $350.78 $30,182.64
218 $30,182.64 $147.39 $0.00 $170.66 $30,500.69
219 $30,500.69 $147.39 $0.00 $172.46 $30,820.54
220 $30,820.54 $147.39 $0.00 $174.26 $31,142.19
221 $31,142.19 $147.39 $0.00 $176.08 $31,465.66
222 $31,465.66 $147.39 $0.00 $177.91 $31,790.96
223 $31,790.96 $147.39 $0.00 $179.75 $32,118.10
224 $32,118.10 $147.39 $0.00 $181.60 $32,447.09
225 $32,447.09 $147.39 $0.00 $183.46 $32,777.94
226 $32,777.94 $147.39 $0.00 $185.33 $33,110.66
227 $33,110.66 $147.39 $0.00 $187.21 $33,445.26
228 $33,445.26 $147.39 $0.00 $189.10 $33,781.75
229 $33,781.75 $0.00 $33,972.32 $191.01 $0.44