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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$99,867
Monthly savings required$791

How much will it cost to send your child to Southern Vermont College in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $399,468.05 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $790.54 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$38,511.00
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 $790.54 $0.00 $0.00 $790.54
2 $790.54 $790.54 $0.00 $4.47 $1,585.55
3 $1,585.55 $790.54 $0.00 $8.96 $2,385.05
4 $2,385.05 $790.54 $0.00 $13.49 $3,189.08
5 $3,189.08 $790.54 $0.00 $18.03 $3,997.65
6 $3,997.65 $790.54 $0.00 $22.60 $4,810.79
7 $4,810.79 $790.54 $0.00 $27.20 $5,628.53
8 $5,628.53 $790.54 $0.00 $31.82 $6,450.89
9 $6,450.89 $790.54 $0.00 $36.47 $7,277.90
10 $7,277.90 $790.54 $0.00 $41.15 $8,109.59
11 $8,109.59 $790.54 $0.00 $45.85 $8,945.98
12 $8,945.98 $790.54 $0.00 $50.58 $9,787.10
13 $9,787.10 $790.54 $0.00 $55.34 $10,632.98
14 $10,632.98 $790.54 $0.00 $60.12 $11,483.64
15 $11,483.64 $790.54 $0.00 $64.93 $12,339.11
16 $12,339.11 $790.54 $0.00 $69.77 $13,199.42
17 $13,199.42 $790.54 $0.00 $74.63 $14,064.59
18 $14,064.59 $790.54 $0.00 $79.52 $14,934.65
19 $14,934.65 $790.54 $0.00 $84.44 $15,809.63
20 $15,809.63 $790.54 $0.00 $89.39 $16,689.56
21 $16,689.56 $790.54 $0.00 $94.37 $17,574.47
22 $17,574.47 $790.54 $0.00 $99.37 $18,464.38
23 $18,464.38 $790.54 $0.00 $104.40 $19,359.32
24 $19,359.32 $790.54 $0.00 $109.46 $20,259.32
25 $20,259.32 $790.54 $0.00 $114.55 $21,164.41
26 $21,164.41 $790.54 $0.00 $119.67 $22,074.62
27 $22,074.62 $790.54 $0.00 $124.81 $22,989.97
28 $22,989.97 $790.54 $0.00 $129.99 $23,910.50
29 $23,910.50 $790.54 $0.00 $135.19 $24,836.23
30 $24,836.23 $790.54 $0.00 $140.43 $25,767.20
31 $25,767.20 $790.54 $0.00 $145.69 $26,703.43
32 $26,703.43 $790.54 $0.00 $150.99 $27,644.96
33 $27,644.96 $790.54 $0.00 $156.31 $28,591.81
34 $28,591.81 $790.54 $0.00 $161.66 $29,544.01
35 $29,544.01 $790.54 $0.00 $167.05 $30,501.60
36 $30,501.60 $790.54 $0.00 $172.46 $31,464.60
37 $31,464.60 $790.54 $0.00 $177.91 $32,433.05
38 $32,433.05 $790.54 $0.00 $183.38 $33,406.97
39 $33,406.97 $790.54 $0.00 $188.89 $34,386.40
40 $34,386.40 $790.54 $0.00 $194.43 $35,371.37
41 $35,371.37 $790.54 $0.00 $199.99 $36,361.90
42 $36,361.90 $790.54 $0.00 $205.60 $37,358.04
43 $37,358.04 $790.54 $0.00 $211.23 $38,359.81
44 $38,359.81 $790.54 $0.00 $216.89 $39,367.24
45 $39,367.24 $790.54 $0.00 $222.59 $40,380.37
46 $40,380.37 $790.54 $0.00 $228.32 $41,399.23
47 $41,399.23 $790.54 $0.00 $234.08 $42,423.85
48 $42,423.85 $790.54 $0.00 $239.87 $43,454.26
49 $43,454.26 $790.54 $0.00 $245.70 $44,490.50
50 $44,490.50 $790.54 $0.00 $251.56 $45,532.60
51 $45,532.60 $790.54 $0.00 $257.45 $46,580.59
52 $46,580.59 $790.54 $0.00 $263.37 $47,634.50
53 $47,634.50 $790.54 $0.00 $269.33 $48,694.37
54 $48,694.37 $790.54 $0.00 $275.33 $49,760.24
55 $49,760.24 $790.54 $0.00 $281.35 $50,832.13
56 $50,832.13 $790.54 $0.00 $287.41 $51,910.08
57 $51,910.08 $790.54 $0.00 $293.51 $52,994.13
58 $52,994.13 $790.54 $0.00 $299.64 $54,084.31
59 $54,084.31 $790.54 $0.00 $305.80 $55,180.65
60 $55,180.65 $790.54 $0.00 $312.00 $56,283.19
61 $56,283.19 $790.54 $0.00 $318.23 $57,391.96
62 $57,391.96 $790.54 $0.00 $324.50 $58,507.00
63 $58,507.00 $790.54 $0.00 $330.81 $59,628.35
64 $59,628.35 $790.54 $0.00 $337.15 $60,756.04
65 $60,756.04 $790.54 $0.00 $343.52 $61,890.10
66 $61,890.10 $790.54 $0.00 $349.94 $63,030.58
67 $63,030.58 $790.54 $0.00 $356.38 $64,177.50
68 $64,177.50 $790.54 $0.00 $362.87 $65,330.91
69 $65,330.91 $790.54 $0.00 $369.39 $66,490.84
70 $66,490.84 $790.54 $0.00 $375.95 $67,657.33
71 $67,657.33 $790.54 $0.00 $382.54 $68,830.41
72 $68,830.41 $790.54 $0.00 $389.18 $70,010.13
73 $70,010.13 $790.54 $0.00 $395.85 $71,196.52
74 $71,196.52 $790.54 $0.00 $402.56 $72,389.62
75 $72,389.62 $790.54 $0.00 $409.30 $73,589.46
76 $73,589.46 $790.54 $0.00 $416.09 $74,796.09
77 $74,796.09 $790.54 $0.00 $422.91 $76,009.54
78 $76,009.54 $790.54 $0.00 $429.77 $77,229.85
79 $77,229.85 $790.54 $0.00 $436.67 $78,457.06
80 $78,457.06 $790.54 $0.00 $443.61 $79,691.21
81 $79,691.21 $790.54 $0.00 $450.59 $80,932.34
82 $80,932.34 $790.54 $0.00 $457.60 $82,180.48
83 $82,180.48 $790.54 $0.00 $464.66 $83,435.68
84 $83,435.68 $790.54 $0.00 $471.76 $84,697.98
85 $84,697.98 $790.54 $0.00 $478.89 $85,967.41
86 $85,967.41 $790.54 $0.00 $486.07 $87,244.02
87 $87,244.02 $790.54 $0.00 $493.29 $88,527.85
88 $88,527.85 $790.54 $0.00 $500.55 $89,818.94
89 $89,818.94 $790.54 $0.00 $507.85 $91,117.33
90 $91,117.33 $790.54 $0.00 $515.19 $92,423.06
91 $92,423.06 $790.54 $0.00 $522.57 $93,736.17
92 $93,736.17 $790.54 $0.00 $530.00 $95,056.71
93 $95,056.71 $790.54 $0.00 $537.46 $96,384.71
94 $96,384.71 $790.54 $0.00 $544.97 $97,720.22
95 $97,720.22 $790.54 $0.00 $552.52 $99,063.28
96 $99,063.28 $790.54 $0.00 $560.12 $100,413.94
97 $100,413.94 $790.54 $0.00 $567.76 $101,772.24
98 $101,772.24 $790.54 $0.00 $575.44 $103,138.22
99 $103,138.22 $790.54 $0.00 $583.16 $104,511.92
100 $104,511.92 $790.54 $0.00 $590.93 $105,893.39
101 $105,893.39 $790.54 $0.00 $598.74 $107,282.67
102 $107,282.67 $790.54 $0.00 $606.59 $108,679.80
103 $108,679.80 $790.54 $0.00 $614.49 $110,084.83
104 $110,084.83 $790.54 $0.00 $622.44 $111,497.81
105 $111,497.81 $790.54 $0.00 $630.42 $112,918.77
106 $112,918.77 $790.54 $0.00 $638.46 $114,347.77
107 $114,347.77 $790.54 $0.00 $646.54 $115,784.85
108 $115,784.85 $790.54 $0.00 $654.66 $117,230.05
109 $117,230.05 $790.54 $0.00 $662.84 $118,683.43
110 $118,683.43 $790.54 $0.00 $671.05 $120,145.02
111 $120,145.02 $790.54 $0.00 $679.32 $121,614.88
112 $121,614.88 $790.54 $0.00 $687.63 $123,093.05
113 $123,093.05 $790.54 $0.00 $695.99 $124,579.58
114 $124,579.58 $790.54 $0.00 $704.39 $126,074.51
115 $126,074.51 $790.54 $0.00 $712.84 $127,577.89
116 $127,577.89 $790.54 $0.00 $721.34 $129,089.77
117 $129,089.77 $790.54 $0.00 $729.89 $130,610.20
118 $130,610.20 $790.54 $0.00 $738.49 $132,139.23
119 $132,139.23 $790.54 $0.00 $747.13 $133,676.90
120 $133,676.90 $790.54 $0.00 $755.83 $135,223.27
121 $135,223.27 $790.54 $0.00 $764.57 $136,778.38
122 $136,778.38 $790.54 $0.00 $773.36 $138,342.28
123 $138,342.28 $790.54 $0.00 $782.21 $139,915.03
124 $139,915.03 $790.54 $0.00 $791.10 $141,496.67
125 $141,496.67 $790.54 $0.00 $800.04 $143,087.25
126 $143,087.25 $790.54 $0.00 $809.04 $144,686.83
127 $144,686.83 $790.54 $0.00 $818.08 $146,295.45
128 $146,295.45 $790.54 $0.00 $827.18 $147,913.17
129 $147,913.17 $790.54 $0.00 $836.32 $149,540.03
130 $149,540.03 $790.54 $0.00 $845.52 $151,176.09
131 $151,176.09 $790.54 $0.00 $854.77 $152,821.40
132 $152,821.40 $790.54 $0.00 $864.07 $154,476.01
133 $154,476.01 $790.54 $0.00 $873.43 $156,139.98
134 $156,139.98 $790.54 $0.00 $882.84 $157,813.36
135 $157,813.36 $790.54 $0.00 $892.30 $159,496.20
136 $159,496.20 $790.54 $0.00 $901.81 $161,188.55
137 $161,188.55 $790.54 $0.00 $911.38 $162,890.47
138 $162,890.47 $790.54 $0.00 $921.01 $164,602.02
139 $164,602.02 $790.54 $0.00 $930.68 $166,323.24
140 $166,323.24 $790.54 $0.00 $940.42 $168,054.20
141 $168,054.20 $790.54 $0.00 $950.20 $169,794.94
142 $169,794.94 $790.54 $0.00 $960.05 $171,545.53
143 $171,545.53 $790.54 $0.00 $969.94 $173,306.01
144 $173,306.01 $790.54 $0.00 $979.90 $175,076.45
145 $175,076.45 $790.54 $0.00 $989.91 $176,856.90
146 $176,856.90 $790.54 $0.00 $999.97 $178,647.41
147 $178,647.41 $790.54 $0.00 $1,010.10 $180,448.05
148 $180,448.05 $790.54 $0.00 $1,020.28 $182,258.87
149 $182,258.87 $790.54 $0.00 $1,030.52 $184,079.93
150 $184,079.93 $790.54 $0.00 $1,040.81 $185,911.28
151 $185,911.28 $790.54 $0.00 $1,051.17 $187,752.99
152 $187,752.99 $790.54 $0.00 $1,061.58 $189,605.11
153 $189,605.11 $790.54 $0.00 $1,072.05 $191,467.70
154 $191,467.70 $790.54 $0.00 $1,082.59 $193,340.83
155 $193,340.83 $790.54 $0.00 $1,093.18 $195,224.55
156 $195,224.55 $790.54 $0.00 $1,103.83 $197,118.92
157 $197,118.92 $790.54 $0.00 $1,114.54 $199,024.00
158 $199,024.00 $790.54 $0.00 $1,125.31 $200,939.85
159 $200,939.85 $790.54 $0.00 $1,136.14 $202,866.53
160 $202,866.53 $790.54 $0.00 $1,147.04 $204,804.11
161 $204,804.11 $790.54 $0.00 $1,157.99 $206,752.64
162 $206,752.64 $790.54 $0.00 $1,169.01 $208,712.19
163 $208,712.19 $790.54 $0.00 $1,180.09 $210,682.82
164 $210,682.82 $790.54 $0.00 $1,191.23 $212,664.59
165 $212,664.59 $790.54 $0.00 $1,202.44 $214,657.57
166 $214,657.57 $790.54 $0.00 $1,213.71 $216,661.82
167 $216,661.82 $790.54 $0.00 $1,225.04 $218,677.40
168 $218,677.40 $790.54 $0.00 $1,236.43 $220,704.37
169 $220,704.37 $790.54 $0.00 $1,247.89 $222,742.80
170 $222,742.80 $790.54 $0.00 $1,259.42 $224,792.76
171 $224,792.76 $790.54 $0.00 $1,271.01 $226,854.31
172 $226,854.31 $790.54 $0.00 $1,282.67 $228,927.52
173 $228,927.52 $790.54 $0.00 $1,294.39 $231,012.45
174 $231,012.45 $790.54 $0.00 $1,306.18 $233,109.17
175 $233,109.17 $790.54 $0.00 $1,318.03 $235,217.74
176 $235,217.74 $790.54 $0.00 $1,329.96 $237,338.24
177 $237,338.24 $790.54 $0.00 $1,341.94 $239,470.72
178 $239,470.72 $790.54 $0.00 $1,354.00 $241,615.26
179 $241,615.26 $790.54 $0.00 $1,366.13 $243,771.93
180 $243,771.93 $790.54 $0.00 $1,378.32 $245,940.79
181 $245,940.79 $790.54 $0.00 $1,390.58 $248,121.91
182 $248,121.91 $790.54 $0.00 $1,402.92 $250,315.37
183 $250,315.37 $790.54 $0.00 $1,415.32 $252,521.23
184 $252,521.23 $790.54 $0.00 $1,427.79 $254,739.56
185 $254,739.56 $790.54 $0.00 $1,440.33 $256,970.43
186 $256,970.43 $790.54 $0.00 $1,452.95 $259,213.92
187 $259,213.92 $790.54 $0.00 $1,465.63 $261,470.09
188 $261,470.09 $790.54 $0.00 $1,478.39 $263,739.02
189 $263,739.02 $790.54 $0.00 $1,491.22 $266,020.78
190 $266,020.78 $790.54 $0.00 $1,504.12 $268,315.44
191 $268,315.44 $790.54 $0.00 $1,517.09 $270,623.07
192 $270,623.07 $790.54 $0.00 $1,530.14 $272,943.75
193 $272,943.75 $790.54 $0.00 $1,543.26 $275,277.55
194 $275,277.55 $790.54 $0.00 $1,556.46 $277,624.55
195 $277,624.55 $790.54 $0.00 $1,569.73 $279,984.82
196 $279,984.82 $790.54 $0.00 $1,583.07 $282,358.43
197 $282,358.43 $790.54 $0.00 $1,596.50 $284,745.47
198 $284,745.47 $790.54 $0.00 $1,609.99 $287,146.00
199 $287,146.00 $790.54 $0.00 $1,623.57 $289,560.11
200 $289,560.11 $790.54 $0.00 $1,637.21 $291,987.86
201 $291,987.86 $790.54 $0.00 $1,650.94 $294,429.34
202 $294,429.34 $790.54 $0.00 $1,664.75 $296,884.63
203 $296,884.63 $790.54 $0.00 $1,678.63 $299,353.80
204 $299,353.80 $790.54 $0.00 $1,692.59 $301,836.93
205 $301,836.93 $790.54 $0.00 $1,706.63 $304,334.10
206 $304,334.10 $790.54 $0.00 $1,720.75 $306,845.39
207 $306,845.39 $790.54 $0.00 $1,734.95 $309,370.88
208 $309,370.88 $790.54 $0.00 $1,749.23 $311,910.65
209 $311,910.65 $790.54 $0.00 $1,763.59 $314,464.78
210 $314,464.78 $790.54 $0.00 $1,778.03 $317,033.35
211 $317,033.35 $790.54 $0.00 $1,792.55 $319,616.44
212 $319,616.44 $790.54 $0.00 $1,807.16 $322,214.14
213 $322,214.14 $790.54 $0.00 $1,821.85 $324,826.53
214 $324,826.53 $790.54 $0.00 $1,836.62 $327,453.69
215 $327,453.69 $790.54 $0.00 $1,851.47 $330,095.70
216 $330,095.70 $790.54 $0.00 $1,866.41 $332,752.65
217 $332,752.65 $790.54 $92,681.31 $1,881.43 $242,743.31
218 $242,743.31 $790.54 $0.00 $1,372.51 $244,906.36
219 $244,906.36 $790.54 $0.00 $1,384.74 $247,081.64
220 $247,081.64 $790.54 $0.00 $1,397.04 $249,269.22
221 $249,269.22 $790.54 $0.00 $1,409.40 $251,469.16
222 $251,469.16 $790.54 $0.00 $1,421.84 $253,681.54
223 $253,681.54 $790.54 $0.00 $1,434.35 $255,906.43
224 $255,906.43 $790.54 $0.00 $1,446.93 $258,143.90
225 $258,143.90 $790.54 $0.00 $1,459.58 $260,394.02
226 $260,394.02 $790.54 $0.00 $1,472.31 $262,656.87
227 $262,656.87 $790.54 $0.00 $1,485.10 $264,932.51
228 $264,932.51 $790.54 $0.00 $1,497.97 $267,221.02
229 $267,221.02 $790.54 $97,315.38 $1,510.91 $172,207.09
230 $172,207.09 $790.54 $0.00 $973.68 $173,971.31
231 $173,971.31 $790.54 $0.00 $983.66 $175,745.51
232 $175,745.51 $790.54 $0.00 $993.69 $177,529.74
233 $177,529.74 $790.54 $0.00 $1,003.78 $179,324.06
234 $179,324.06 $790.54 $0.00 $1,013.92 $181,128.52
235 $181,128.52 $790.54 $0.00 $1,024.13 $182,943.19
236 $182,943.19 $790.54 $0.00 $1,034.39 $184,768.12
237 $184,768.12 $790.54 $0.00 $1,044.71 $186,603.37
238 $186,603.37 $790.54 $0.00 $1,055.08 $188,448.99
239 $188,448.99 $790.54 $0.00 $1,065.52 $190,305.05
240 $190,305.05 $790.54 $0.00 $1,076.01 $192,171.60
241 $192,171.60 $790.54 $102,181.15 $1,086.57 $91,867.56
242 $91,867.56 $790.54 $0.00 $519.43 $93,177.53
243 $93,177.53 $790.54 $0.00 $526.84 $94,494.91
244 $94,494.91 $790.54 $0.00 $534.29 $95,819.74
245 $95,819.74 $790.54 $0.00 $541.78 $97,152.06
246 $97,152.06 $790.54 $0.00 $549.31 $98,491.91
247 $98,491.91 $790.54 $0.00 $556.89 $99,839.34
248 $99,839.34 $790.54 $0.00 $564.51 $101,194.39
249 $101,194.39 $790.54 $0.00 $572.17 $102,557.10
250 $102,557.10 $790.54 $0.00 $579.87 $103,927.51
251 $103,927.51 $790.54 $0.00 $587.62 $105,305.67
252 $105,305.67 $790.54 $0.00 $595.41 $106,691.62
253 $106,691.62 $0.00 $107,290.21 $603.25 $4.66