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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$147,253
Monthly savings required$1,166

How much will it cost to send your child to Pacific Lutheran University in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $589,010.76 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $1,165.63 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$56,784.00
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 $1,165.63 $0.00 $0.00 $1,165.63
2 $1,165.63 $1,165.63 $0.00 $6.59 $2,337.85
3 $2,337.85 $1,165.63 $0.00 $13.22 $3,516.70
4 $3,516.70 $1,165.63 $0.00 $19.88 $4,702.21
5 $4,702.21 $1,165.63 $0.00 $26.59 $5,894.43
6 $5,894.43 $1,165.63 $0.00 $33.33 $7,093.39
7 $7,093.39 $1,165.63 $0.00 $40.11 $8,299.13
8 $8,299.13 $1,165.63 $0.00 $46.92 $9,511.68
9 $9,511.68 $1,165.63 $0.00 $53.78 $10,731.09
10 $10,731.09 $1,165.63 $0.00 $60.68 $11,957.40
11 $11,957.40 $1,165.63 $0.00 $67.61 $13,190.64
12 $13,190.64 $1,165.63 $0.00 $74.58 $14,430.85
13 $14,430.85 $1,165.63 $0.00 $81.59 $15,678.07
14 $15,678.07 $1,165.63 $0.00 $88.65 $16,932.35
15 $16,932.35 $1,165.63 $0.00 $95.74 $18,193.72
16 $18,193.72 $1,165.63 $0.00 $102.87 $19,462.22
17 $19,462.22 $1,165.63 $0.00 $110.04 $20,737.89
18 $20,737.89 $1,165.63 $0.00 $117.26 $22,020.78
19 $22,020.78 $1,165.63 $0.00 $124.51 $23,310.92
20 $23,310.92 $1,165.63 $0.00 $131.80 $24,608.35
21 $24,608.35 $1,165.63 $0.00 $139.14 $25,913.12
22 $25,913.12 $1,165.63 $0.00 $146.52 $27,225.27
23 $27,225.27 $1,165.63 $0.00 $153.94 $28,544.84
24 $28,544.84 $1,165.63 $0.00 $161.40 $29,871.87
25 $29,871.87 $1,165.63 $0.00 $168.90 $31,206.40
26 $31,206.40 $1,165.63 $0.00 $176.45 $32,548.48
27 $32,548.48 $1,165.63 $0.00 $184.03 $33,898.14
28 $33,898.14 $1,165.63 $0.00 $191.67 $35,255.44
29 $35,255.44 $1,165.63 $0.00 $199.34 $36,620.41
30 $36,620.41 $1,165.63 $0.00 $207.06 $37,993.10
31 $37,993.10 $1,165.63 $0.00 $214.82 $39,373.55
32 $39,373.55 $1,165.63 $0.00 $222.62 $40,761.80
33 $40,761.80 $1,165.63 $0.00 $230.47 $42,157.90
34 $42,157.90 $1,165.63 $0.00 $238.37 $43,561.90
35 $43,561.90 $1,165.63 $0.00 $246.31 $44,973.84
36 $44,973.84 $1,165.63 $0.00 $254.29 $46,393.76
37 $46,393.76 $1,165.63 $0.00 $262.32 $47,821.71
38 $47,821.71 $1,165.63 $0.00 $270.39 $49,257.73
39 $49,257.73 $1,165.63 $0.00 $278.51 $50,701.87
40 $50,701.87 $1,165.63 $0.00 $286.68 $52,154.18
41 $52,154.18 $1,165.63 $0.00 $294.89 $53,614.70
42 $53,614.70 $1,165.63 $0.00 $303.15 $55,083.48
43 $55,083.48 $1,165.63 $0.00 $311.45 $56,560.56
44 $56,560.56 $1,165.63 $0.00 $319.80 $58,045.99
45 $58,045.99 $1,165.63 $0.00 $328.20 $59,539.82
46 $59,539.82 $1,165.63 $0.00 $336.65 $61,042.10
47 $61,042.10 $1,165.63 $0.00 $345.14 $62,552.87
48 $62,552.87 $1,165.63 $0.00 $353.68 $64,072.18
49 $64,072.18 $1,165.63 $0.00 $362.27 $65,600.08
50 $65,600.08 $1,165.63 $0.00 $370.91 $67,136.62
51 $67,136.62 $1,165.63 $0.00 $379.60 $68,681.85
52 $68,681.85 $1,165.63 $0.00 $388.34 $70,235.82
53 $70,235.82 $1,165.63 $0.00 $397.12 $71,798.57
54 $71,798.57 $1,165.63 $0.00 $405.96 $73,370.16
55 $73,370.16 $1,165.63 $0.00 $414.85 $74,950.64
56 $74,950.64 $1,165.63 $0.00 $423.78 $76,540.05
57 $76,540.05 $1,165.63 $0.00 $432.77 $78,138.45
58 $78,138.45 $1,165.63 $0.00 $441.81 $79,745.89
59 $79,745.89 $1,165.63 $0.00 $450.89 $81,362.41
60 $81,362.41 $1,165.63 $0.00 $460.03 $82,988.07
61 $82,988.07 $1,165.63 $0.00 $469.23 $84,622.93
62 $84,622.93 $1,165.63 $0.00 $478.47 $86,267.03
63 $86,267.03 $1,165.63 $0.00 $487.77 $87,920.43
64 $87,920.43 $1,165.63 $0.00 $497.11 $89,583.17
65 $89,583.17 $1,165.63 $0.00 $506.52 $91,255.32
66 $91,255.32 $1,165.63 $0.00 $515.97 $92,936.92
67 $92,936.92 $1,165.63 $0.00 $525.48 $94,628.03
68 $94,628.03 $1,165.63 $0.00 $535.04 $96,328.70
69 $96,328.70 $1,165.63 $0.00 $544.66 $98,038.99
70 $98,038.99 $1,165.63 $0.00 $554.33 $99,758.95
71 $99,758.95 $1,165.63 $0.00 $564.05 $101,488.63
72 $101,488.63 $1,165.63 $0.00 $573.83 $103,228.09
73 $103,228.09 $1,165.63 $0.00 $583.67 $104,977.39
74 $104,977.39 $1,165.63 $0.00 $593.56 $106,736.58
75 $106,736.58 $1,165.63 $0.00 $603.50 $108,505.71
76 $108,505.71 $1,165.63 $0.00 $613.51 $110,284.85
77 $110,284.85 $1,165.63 $0.00 $623.57 $112,074.05
78 $112,074.05 $1,165.63 $0.00 $633.68 $113,873.36
79 $113,873.36 $1,165.63 $0.00 $643.86 $115,682.85
80 $115,682.85 $1,165.63 $0.00 $654.09 $117,502.57
81 $117,502.57 $1,165.63 $0.00 $664.38 $119,332.58
82 $119,332.58 $1,165.63 $0.00 $674.72 $121,172.93
83 $121,172.93 $1,165.63 $0.00 $685.13 $123,023.69
84 $123,023.69 $1,165.63 $0.00 $695.59 $124,884.91
85 $124,884.91 $1,165.63 $0.00 $706.12 $126,756.66
86 $126,756.66 $1,165.63 $0.00 $716.70 $128,638.99
87 $128,638.99 $1,165.63 $0.00 $727.34 $130,531.96
88 $130,531.96 $1,165.63 $0.00 $738.05 $132,435.64
89 $132,435.64 $1,165.63 $0.00 $748.81 $134,350.08
90 $134,350.08 $1,165.63 $0.00 $759.63 $136,275.34
91 $136,275.34 $1,165.63 $0.00 $770.52 $138,211.49
92 $138,211.49 $1,165.63 $0.00 $781.47 $140,158.59
93 $140,158.59 $1,165.63 $0.00 $792.48 $142,116.70
94 $142,116.70 $1,165.63 $0.00 $803.55 $144,085.88
95 $144,085.88 $1,165.63 $0.00 $814.68 $146,066.19
96 $146,066.19 $1,165.63 $0.00 $825.88 $148,057.70
97 $148,057.70 $1,165.63 $0.00 $837.14 $150,060.47
98 $150,060.47 $1,165.63 $0.00 $848.46 $152,074.56
99 $152,074.56 $1,165.63 $0.00 $859.85 $154,100.04
100 $154,100.04 $1,165.63 $0.00 $871.30 $156,136.97
101 $156,136.97 $1,165.63 $0.00 $882.82 $158,185.42
102 $158,185.42 $1,165.63 $0.00 $894.40 $160,245.45
103 $160,245.45 $1,165.63 $0.00 $906.05 $162,317.13
104 $162,317.13 $1,165.63 $0.00 $917.76 $164,400.52
105 $164,400.52 $1,165.63 $0.00 $929.54 $166,495.69
106 $166,495.69 $1,165.63 $0.00 $941.39 $168,602.71
107 $168,602.71 $1,165.63 $0.00 $953.30 $170,721.64
108 $170,721.64 $1,165.63 $0.00 $965.28 $172,852.55
109 $172,852.55 $1,165.63 $0.00 $977.33 $174,995.51
110 $174,995.51 $1,165.63 $0.00 $989.45 $177,150.59
111 $177,150.59 $1,165.63 $0.00 $1,001.64 $179,317.86
112 $179,317.86 $1,165.63 $0.00 $1,013.89 $181,497.38
113 $181,497.38 $1,165.63 $0.00 $1,026.21 $183,689.22
114 $183,689.22 $1,165.63 $0.00 $1,038.61 $185,893.46
115 $185,893.46 $1,165.63 $0.00 $1,051.07 $188,110.16
116 $188,110.16 $1,165.63 $0.00 $1,063.60 $190,339.39
117 $190,339.39 $1,165.63 $0.00 $1,076.21 $192,581.23
118 $192,581.23 $1,165.63 $0.00 $1,088.88 $194,835.74
119 $194,835.74 $1,165.63 $0.00 $1,101.63 $197,103.00
120 $197,103.00 $1,165.63 $0.00 $1,114.45 $199,383.08
121 $199,383.08 $1,165.63 $0.00 $1,127.34 $201,676.05
122 $201,676.05 $1,165.63 $0.00 $1,140.31 $203,981.99
123 $203,981.99 $1,165.63 $0.00 $1,153.34 $206,300.96
124 $206,300.96 $1,165.63 $0.00 $1,166.46 $208,633.05
125 $208,633.05 $1,165.63 $0.00 $1,179.64 $210,978.32
126 $210,978.32 $1,165.63 $0.00 $1,192.90 $213,336.85
127 $213,336.85 $1,165.63 $0.00 $1,206.24 $215,708.72
128 $215,708.72 $1,165.63 $0.00 $1,219.65 $218,094.00
129 $218,094.00 $1,165.63 $0.00 $1,233.14 $220,492.77
130 $220,492.77 $1,165.63 $0.00 $1,246.70 $222,905.10
131 $222,905.10 $1,165.63 $0.00 $1,260.34 $225,331.07
132 $225,331.07 $1,165.63 $0.00 $1,274.05 $227,770.75
133 $227,770.75 $1,165.63 $0.00 $1,287.85 $230,224.23
134 $230,224.23 $1,165.63 $0.00 $1,301.72 $232,691.58
135 $232,691.58 $1,165.63 $0.00 $1,315.67 $235,172.88
136 $235,172.88 $1,165.63 $0.00 $1,329.70 $237,668.21
137 $237,668.21 $1,165.63 $0.00 $1,343.81 $240,177.65
138 $240,177.65 $1,165.63 $0.00 $1,358.00 $242,701.28
139 $242,701.28 $1,165.63 $0.00 $1,372.27 $245,239.18
140 $245,239.18 $1,165.63 $0.00 $1,386.62 $247,791.43
141 $247,791.43 $1,165.63 $0.00 $1,401.05 $250,358.11
142 $250,358.11 $1,165.63 $0.00 $1,415.56 $252,939.30
143 $252,939.30 $1,165.63 $0.00 $1,430.16 $255,535.09
144 $255,535.09 $1,165.63 $0.00 $1,444.83 $258,145.55
145 $258,145.55 $1,165.63 $0.00 $1,459.59 $260,770.77
146 $260,770.77 $1,165.63 $0.00 $1,474.44 $263,410.84
147 $263,410.84 $1,165.63 $0.00 $1,489.36 $266,065.83
148 $266,065.83 $1,165.63 $0.00 $1,504.37 $268,735.83
149 $268,735.83 $1,165.63 $0.00 $1,519.47 $271,420.93
150 $271,420.93 $1,165.63 $0.00 $1,534.65 $274,121.21
151 $274,121.21 $1,165.63 $0.00 $1,549.92 $276,836.76
152 $276,836.76 $1,165.63 $0.00 $1,565.28 $279,567.67
153 $279,567.67 $1,165.63 $0.00 $1,580.72 $282,314.02
154 $282,314.02 $1,165.63 $0.00 $1,596.24 $285,075.89
155 $285,075.89 $1,165.63 $0.00 $1,611.86 $287,853.38
156 $287,853.38 $1,165.63 $0.00 $1,627.56 $290,646.57
157 $290,646.57 $1,165.63 $0.00 $1,643.36 $293,455.56
158 $293,455.56 $1,165.63 $0.00 $1,659.24 $296,280.43
159 $296,280.43 $1,165.63 $0.00 $1,675.21 $299,121.27
160 $299,121.27 $1,165.63 $0.00 $1,691.28 $301,978.18
161 $301,978.18 $1,165.63 $0.00 $1,707.43 $304,851.24
162 $304,851.24 $1,165.63 $0.00 $1,723.67 $307,740.54
163 $307,740.54 $1,165.63 $0.00 $1,740.01 $310,646.18
164 $310,646.18 $1,165.63 $0.00 $1,756.44 $313,568.25
165 $313,568.25 $1,165.63 $0.00 $1,772.96 $316,506.84
166 $316,506.84 $1,165.63 $0.00 $1,789.58 $319,462.05
167 $319,462.05 $1,165.63 $0.00 $1,806.28 $322,433.96
168 $322,433.96 $1,165.63 $0.00 $1,823.09 $325,422.68
169 $325,422.68 $1,165.63 $0.00 $1,839.99 $328,428.30
170 $328,428.30 $1,165.63 $0.00 $1,856.98 $331,450.91
171 $331,450.91 $1,165.63 $0.00 $1,874.07 $334,490.61
172 $334,490.61 $1,165.63 $0.00 $1,891.26 $337,547.50
173 $337,547.50 $1,165.63 $0.00 $1,908.54 $340,621.67
174 $340,621.67 $1,165.63 $0.00 $1,925.92 $343,713.22
175 $343,713.22 $1,165.63 $0.00 $1,943.40 $346,822.25
176 $346,822.25 $1,165.63 $0.00 $1,960.98 $349,948.86
177 $349,948.86 $1,165.63 $0.00 $1,978.66 $353,093.15
178 $353,093.15 $1,165.63 $0.00 $1,996.44 $356,255.22
179 $356,255.22 $1,165.63 $0.00 $2,014.32 $359,435.17
180 $359,435.17 $1,165.63 $0.00 $2,032.30 $362,633.10
181 $362,633.10 $1,165.63 $0.00 $2,050.38 $365,849.11
182 $365,849.11 $1,165.63 $0.00 $2,068.56 $369,083.30
183 $369,083.30 $1,165.63 $0.00 $2,086.85 $372,335.78
184 $372,335.78 $1,165.63 $0.00 $2,105.24 $375,606.65
185 $375,606.65 $1,165.63 $0.00 $2,123.73 $378,896.01
186 $378,896.01 $1,165.63 $0.00 $2,142.33 $382,203.97
187 $382,203.97 $1,165.63 $0.00 $2,161.04 $385,530.64
188 $385,530.64 $1,165.63 $0.00 $2,179.85 $388,876.12
189 $388,876.12 $1,165.63 $0.00 $2,198.76 $392,240.51
190 $392,240.51 $1,165.63 $0.00 $2,217.78 $395,623.92
191 $395,623.92 $1,165.63 $0.00 $2,236.92 $399,026.47
192 $399,026.47 $1,165.63 $0.00 $2,256.15 $402,448.25
193 $402,448.25 $1,165.63 $0.00 $2,275.50 $405,889.38
194 $405,889.38 $1,165.63 $0.00 $2,294.96 $409,349.97
195 $409,349.97 $1,165.63 $0.00 $2,314.52 $412,830.12
196 $412,830.12 $1,165.63 $0.00 $2,334.20 $416,329.95
197 $416,329.95 $1,165.63 $0.00 $2,353.99 $419,849.57
198 $419,849.57 $1,165.63 $0.00 $2,373.89 $423,389.09
199 $423,389.09 $1,165.63 $0.00 $2,393.90 $426,948.62
200 $426,948.62 $1,165.63 $0.00 $2,414.03 $430,528.28
201 $430,528.28 $1,165.63 $0.00 $2,434.27 $434,128.18
202 $434,128.18 $1,165.63 $0.00 $2,454.62 $437,748.43
203 $437,748.43 $1,165.63 $0.00 $2,475.09 $441,389.15
204 $441,389.15 $1,165.63 $0.00 $2,495.68 $445,050.46
205 $445,050.46 $1,165.63 $0.00 $2,516.38 $448,732.47
206 $448,732.47 $1,165.63 $0.00 $2,537.20 $452,435.30
207 $452,435.30 $1,165.63 $0.00 $2,558.13 $456,159.06
208 $456,159.06 $1,165.63 $0.00 $2,579.19 $459,903.88
209 $459,903.88 $1,165.63 $0.00 $2,600.36 $463,669.87
210 $463,669.87 $1,165.63 $0.00 $2,621.66 $467,457.16
211 $467,457.16 $1,165.63 $0.00 $2,643.07 $471,265.86
212 $471,265.86 $1,165.63 $0.00 $2,664.61 $475,096.10
213 $475,096.10 $1,165.63 $0.00 $2,686.26 $478,947.99
214 $478,947.99 $1,165.63 $0.00 $2,708.04 $482,821.66
215 $482,821.66 $1,165.63 $0.00 $2,729.94 $486,717.23
216 $486,717.23 $1,165.63 $0.00 $2,751.97 $490,634.83
217 $490,634.83 $1,165.63 $136,657.47 $2,774.12 $357,917.11
218 $357,917.11 $1,165.63 $0.00 $2,023.72 $361,106.46
219 $361,106.46 $1,165.63 $0.00 $2,041.75 $364,313.84
220 $364,313.84 $1,165.63 $0.00 $2,059.88 $367,539.35
221 $367,539.35 $1,165.63 $0.00 $2,078.12 $370,783.10
222 $370,783.10 $1,165.63 $0.00 $2,096.46 $374,045.19
223 $374,045.19 $1,165.63 $0.00 $2,114.91 $377,325.73
224 $377,325.73 $1,165.63 $0.00 $2,133.45 $380,624.81
225 $380,624.81 $1,165.63 $0.00 $2,152.11 $383,942.55
226 $383,942.55 $1,165.63 $0.00 $2,170.87 $387,279.05
227 $387,279.05 $1,165.63 $0.00 $2,189.73 $390,634.41
228 $390,634.41 $1,165.63 $0.00 $2,208.70 $394,008.74
229 $394,008.74 $1,165.63 $143,490.34 $2,227.78 $253,911.81
230 $253,911.81 $1,165.63 $0.00 $1,435.65 $256,513.09
231 $256,513.09 $1,165.63 $0.00 $1,450.36 $259,129.08
232 $259,129.08 $1,165.63 $0.00 $1,465.15 $261,759.86
233 $261,759.86 $1,165.63 $0.00 $1,480.03 $264,405.52
234 $264,405.52 $1,165.63 $0.00 $1,494.99 $267,066.14
235 $267,066.14 $1,165.63 $0.00 $1,510.03 $269,741.80
236 $269,741.80 $1,165.63 $0.00 $1,525.16 $272,432.59
237 $272,432.59 $1,165.63 $0.00 $1,540.37 $275,138.59
238 $275,138.59 $1,165.63 $0.00 $1,555.67 $277,859.89
239 $277,859.89 $1,165.63 $0.00 $1,571.06 $280,596.58
240 $280,596.58 $1,165.63 $0.00 $1,586.53 $283,348.74
241 $283,348.74 $1,165.63 $150,664.86 $1,602.09 $135,451.60
242 $135,451.60 $1,165.63 $0.00 $765.86 $137,383.09
243 $137,383.09 $1,165.63 $0.00 $776.78 $139,325.50
244 $139,325.50 $1,165.63 $0.00 $787.77 $141,278.90
245 $141,278.90 $1,165.63 $0.00 $798.81 $143,243.34
246 $143,243.34 $1,165.63 $0.00 $809.92 $145,218.89
247 $145,218.89 $1,165.63 $0.00 $821.09 $147,205.61
248 $147,205.61 $1,165.63 $0.00 $832.32 $149,203.56
249 $149,203.56 $1,165.63 $0.00 $843.62 $151,212.81
250 $151,212.81 $1,165.63 $0.00 $854.98 $153,233.42
251 $153,233.42 $1,165.63 $0.00 $866.40 $155,265.45
252 $155,265.45 $1,165.63 $0.00 $877.89 $157,308.97
253 $157,308.97 $0.00 $158,198.10 $889.45 $0.32