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Savings Plan and Future Cost Estimation

Estimated Annual Cost in 2038$42,757
Monthly savings required$338

How much will it cost to send your child to American Public University System in 18 years and how much do you need to save?  A 4 year degree is estimated to be priced at $171,027.22 for students enrolling in 2038 if tuition increases average 5% per year until then.   Assuming you have no current college savings, monthly deposits of $338.45 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$16,488.00
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 $338.45 $0.00 $0.00 $338.45
2 $338.45 $338.45 $0.00 $1.91 $678.81
3 $678.81 $338.45 $0.00 $3.84 $1,021.10
4 $1,021.10 $338.45 $0.00 $5.77 $1,365.32
5 $1,365.32 $338.45 $0.00 $7.72 $1,711.49
6 $1,711.49 $338.45 $0.00 $9.68 $2,059.62
7 $2,059.62 $338.45 $0.00 $11.65 $2,409.72
8 $2,409.72 $338.45 $0.00 $13.62 $2,761.79
9 $2,761.79 $338.45 $0.00 $15.62 $3,115.86
10 $3,115.86 $338.45 $0.00 $17.62 $3,471.93
11 $3,471.93 $338.45 $0.00 $19.63 $3,830.01
12 $3,830.01 $338.45 $0.00 $21.66 $4,190.12
13 $4,190.12 $338.45 $0.00 $23.69 $4,552.26
14 $4,552.26 $338.45 $0.00 $25.74 $4,916.45
15 $4,916.45 $338.45 $0.00 $27.80 $5,282.70
16 $5,282.70 $338.45 $0.00 $29.87 $5,651.02
17 $5,651.02 $338.45 $0.00 $31.95 $6,021.42
18 $6,021.42 $338.45 $0.00 $34.05 $6,393.92
19 $6,393.92 $338.45 $0.00 $36.15 $6,768.52
20 $6,768.52 $338.45 $0.00 $38.27 $7,145.24
21 $7,145.24 $338.45 $0.00 $40.40 $7,524.09
22 $7,524.09 $338.45 $0.00 $42.54 $7,905.08
23 $7,905.08 $338.45 $0.00 $44.70 $8,288.23
24 $8,288.23 $338.45 $0.00 $46.86 $8,673.54
25 $8,673.54 $338.45 $0.00 $49.04 $9,061.03
26 $9,061.03 $338.45 $0.00 $51.23 $9,450.71
27 $9,450.71 $338.45 $0.00 $53.44 $9,842.60
28 $9,842.60 $338.45 $0.00 $55.65 $10,236.70
29 $10,236.70 $338.45 $0.00 $57.88 $10,633.03
30 $10,633.03 $338.45 $0.00 $60.12 $11,031.60
31 $11,031.60 $338.45 $0.00 $62.37 $11,432.42
32 $11,432.42 $338.45 $0.00 $64.64 $11,835.51
33 $11,835.51 $338.45 $0.00 $66.92 $12,240.88
34 $12,240.88 $338.45 $0.00 $69.21 $12,648.54
35 $12,648.54 $338.45 $0.00 $71.52 $13,058.51
36 $13,058.51 $338.45 $0.00 $73.83 $13,470.79
37 $13,470.79 $338.45 $0.00 $76.17 $13,885.41
38 $13,885.41 $338.45 $0.00 $78.51 $14,302.37
39 $14,302.37 $338.45 $0.00 $80.87 $14,721.69
40 $14,721.69 $338.45 $0.00 $83.24 $15,143.38
41 $15,143.38 $338.45 $0.00 $85.62 $15,567.45
42 $15,567.45 $338.45 $0.00 $88.02 $15,993.92
43 $15,993.92 $338.45 $0.00 $90.43 $16,422.80
44 $16,422.80 $338.45 $0.00 $92.86 $16,854.11
45 $16,854.11 $338.45 $0.00 $95.30 $17,287.86
46 $17,287.86 $338.45 $0.00 $97.75 $17,724.06
47 $17,724.06 $338.45 $0.00 $100.21 $18,162.72
48 $18,162.72 $338.45 $0.00 $102.69 $18,603.86
49 $18,603.86 $338.45 $0.00 $105.19 $19,047.50
50 $19,047.50 $338.45 $0.00 $107.70 $19,493.65
51 $19,493.65 $338.45 $0.00 $110.22 $19,942.32
52 $19,942.32 $338.45 $0.00 $112.76 $20,393.53
53 $20,393.53 $338.45 $0.00 $115.31 $20,847.29
54 $20,847.29 $338.45 $0.00 $117.87 $21,303.61
55 $21,303.61 $338.45 $0.00 $120.45 $21,762.51
56 $21,762.51 $338.45 $0.00 $123.05 $22,224.01
57 $22,224.01 $338.45 $0.00 $125.66 $22,688.12
58 $22,688.12 $338.45 $0.00 $128.28 $23,154.85
59 $23,154.85 $338.45 $0.00 $130.92 $23,624.22
60 $23,624.22 $338.45 $0.00 $133.57 $24,096.24
61 $24,096.24 $338.45 $0.00 $136.24 $24,570.93
62 $24,570.93 $338.45 $0.00 $138.93 $25,048.31
63 $25,048.31 $338.45 $0.00 $141.63 $25,528.39
64 $25,528.39 $338.45 $0.00 $144.34 $26,011.18
65 $26,011.18 $338.45 $0.00 $147.07 $26,496.70
66 $26,496.70 $338.45 $0.00 $149.82 $26,984.97
67 $26,984.97 $338.45 $0.00 $152.58 $27,476.00
68 $27,476.00 $338.45 $0.00 $155.35 $27,969.80
69 $27,969.80 $338.45 $0.00 $158.15 $28,466.40
70 $28,466.40 $338.45 $0.00 $160.95 $28,965.80
71 $28,965.80 $338.45 $0.00 $163.78 $29,468.03
72 $29,468.03 $338.45 $0.00 $166.62 $29,973.10
73 $29,973.10 $338.45 $0.00 $169.47 $30,481.02
74 $30,481.02 $338.45 $0.00 $172.34 $30,991.81
75 $30,991.81 $338.45 $0.00 $175.23 $31,505.49
76 $31,505.49 $338.45 $0.00 $178.14 $32,022.08
77 $32,022.08 $338.45 $0.00 $181.06 $32,541.59
78 $32,541.59 $338.45 $0.00 $183.99 $33,064.03
79 $33,064.03 $338.45 $0.00 $186.95 $33,589.43
80 $33,589.43 $338.45 $0.00 $189.92 $34,117.80
81 $34,117.80 $338.45 $0.00 $192.91 $34,649.16
82 $34,649.16 $338.45 $0.00 $195.91 $35,183.52
83 $35,183.52 $338.45 $0.00 $198.93 $35,720.90
84 $35,720.90 $338.45 $0.00 $201.97 $36,261.32
85 $36,261.32 $338.45 $0.00 $205.03 $36,804.80
86 $36,804.80 $338.45 $0.00 $208.10 $37,351.35
87 $37,351.35 $338.45 $0.00 $211.19 $37,900.99
88 $37,900.99 $338.45 $0.00 $214.30 $38,453.74
89 $38,453.74 $338.45 $0.00 $217.42 $39,009.61
90 $39,009.61 $338.45 $0.00 $220.57 $39,568.63
91 $39,568.63 $338.45 $0.00 $223.73 $40,130.81
92 $40,130.81 $338.45 $0.00 $226.91 $40,696.17
93 $40,696.17 $338.45 $0.00 $230.10 $41,264.72
94 $41,264.72 $338.45 $0.00 $233.32 $41,836.49
95 $41,836.49 $338.45 $0.00 $236.55 $42,411.49
96 $42,411.49 $338.45 $0.00 $239.80 $42,989.74
97 $42,989.74 $338.45 $0.00 $243.07 $43,571.26
98 $43,571.26 $338.45 $0.00 $246.36 $44,156.07
99 $44,156.07 $338.45 $0.00 $249.66 $44,744.18
100 $44,744.18 $338.45 $0.00 $252.99 $45,335.62
101 $45,335.62 $338.45 $0.00 $256.33 $45,930.40
102 $45,930.40 $338.45 $0.00 $259.70 $46,528.55
103 $46,528.55 $338.45 $0.00 $263.08 $47,130.08
104 $47,130.08 $338.45 $0.00 $266.48 $47,735.01
105 $47,735.01 $338.45 $0.00 $269.90 $48,343.36
106 $48,343.36 $338.45 $0.00 $273.34 $48,955.15
107 $48,955.15 $338.45 $0.00 $276.80 $49,570.40
108 $49,570.40 $338.45 $0.00 $280.28 $50,189.13
109 $50,189.13 $338.45 $0.00 $283.78 $50,811.36
110 $50,811.36 $338.45 $0.00 $287.29 $51,437.10
111 $51,437.10 $338.45 $0.00 $290.83 $52,066.38
112 $52,066.38 $338.45 $0.00 $294.39 $52,699.22
113 $52,699.22 $338.45 $0.00 $297.97 $53,335.64
114 $53,335.64 $338.45 $0.00 $301.57 $53,975.66
115 $53,975.66 $338.45 $0.00 $305.19 $54,619.30
116 $54,619.30 $338.45 $0.00 $308.83 $55,266.58
117 $55,266.58 $338.45 $0.00 $312.49 $55,917.52
118 $55,917.52 $338.45 $0.00 $316.17 $56,572.14
119 $56,572.14 $338.45 $0.00 $319.87 $57,230.46
120 $57,230.46 $338.45 $0.00 $323.59 $57,892.50
121 $57,892.50 $338.45 $0.00 $327.33 $58,558.28
122 $58,558.28 $338.45 $0.00 $331.10 $59,227.83
123 $59,227.83 $338.45 $0.00 $334.88 $59,901.16
124 $59,901.16 $338.45 $0.00 $338.69 $60,578.30
125 $60,578.30 $338.45 $0.00 $342.52 $61,259.27
126 $61,259.27 $338.45 $0.00 $346.37 $61,944.09
127 $61,944.09 $338.45 $0.00 $350.24 $62,632.78
128 $62,632.78 $338.45 $0.00 $354.13 $63,325.36
129 $63,325.36 $338.45 $0.00 $358.05 $64,021.86
130 $64,021.86 $338.45 $0.00 $361.99 $64,722.30
131 $64,722.30 $338.45 $0.00 $365.95 $65,426.70
132 $65,426.70 $338.45 $0.00 $369.93 $66,135.08
133 $66,135.08 $338.45 $0.00 $373.94 $66,847.47
134 $66,847.47 $338.45 $0.00 $377.97 $67,563.89
135 $67,563.89 $338.45 $0.00 $382.02 $68,284.36
136 $68,284.36 $338.45 $0.00 $386.09 $69,008.90
137 $69,008.90 $338.45 $0.00 $390.19 $69,737.54
138 $69,737.54 $338.45 $0.00 $394.31 $70,470.30
139 $70,470.30 $338.45 $0.00 $398.45 $71,207.20
140 $71,207.20 $338.45 $0.00 $402.62 $71,948.27
141 $71,948.27 $338.45 $0.00 $406.81 $72,693.53
142 $72,693.53 $338.45 $0.00 $411.02 $73,443.00
143 $73,443.00 $338.45 $0.00 $415.26 $74,196.71
144 $74,196.71 $338.45 $0.00 $419.52 $74,954.68
145 $74,954.68 $338.45 $0.00 $423.80 $75,716.93
146 $75,716.93 $338.45 $0.00 $428.11 $76,483.49
147 $76,483.49 $338.45 $0.00 $432.45 $77,254.39
148 $77,254.39 $338.45 $0.00 $436.81 $78,029.65
149 $78,029.65 $338.45 $0.00 $441.19 $78,809.29
150 $78,809.29 $338.45 $0.00 $445.60 $79,593.34
151 $79,593.34 $338.45 $0.00 $450.03 $80,381.82
152 $80,381.82 $338.45 $0.00 $454.49 $81,174.76
153 $81,174.76 $338.45 $0.00 $458.97 $81,972.18
154 $81,972.18 $338.45 $0.00 $463.48 $82,774.11
155 $82,774.11 $338.45 $0.00 $468.02 $83,580.58
156 $83,580.58 $338.45 $0.00 $472.58 $84,391.61
157 $84,391.61 $338.45 $0.00 $477.16 $85,207.22
158 $85,207.22 $338.45 $0.00 $481.77 $86,027.44
159 $86,027.44 $338.45 $0.00 $486.41 $86,852.30
160 $86,852.30 $338.45 $0.00 $491.08 $87,681.83
161 $87,681.83 $338.45 $0.00 $495.77 $88,516.05
162 $88,516.05 $338.45 $0.00 $500.48 $89,354.98
163 $89,354.98 $338.45 $0.00 $505.23 $90,198.66
164 $90,198.66 $338.45 $0.00 $510.00 $91,047.11
165 $91,047.11 $338.45 $0.00 $514.79 $91,900.35
166 $91,900.35 $338.45 $0.00 $519.62 $92,758.42
167 $92,758.42 $338.45 $0.00 $524.47 $93,621.34
168 $93,621.34 $338.45 $0.00 $529.35 $94,489.14
169 $94,489.14 $338.45 $0.00 $534.26 $95,361.85
170 $95,361.85 $338.45 $0.00 $539.19 $96,239.49
171 $96,239.49 $338.45 $0.00 $544.15 $97,122.09
172 $97,122.09 $338.45 $0.00 $549.14 $98,009.68
173 $98,009.68 $338.45 $0.00 $554.16 $98,902.29
174 $98,902.29 $338.45 $0.00 $559.21 $99,799.95
175 $99,799.95 $338.45 $0.00 $564.28 $100,702.68
176 $100,702.68 $338.45 $0.00 $569.39 $101,610.52
177 $101,610.52 $338.45 $0.00 $574.52 $102,523.49
178 $102,523.49 $338.45 $0.00 $579.68 $103,441.62
179 $103,441.62 $338.45 $0.00 $584.87 $104,364.94
180 $104,364.94 $338.45 $0.00 $590.09 $105,293.48
181 $105,293.48 $338.45 $0.00 $595.34 $106,227.27
182 $106,227.27 $338.45 $0.00 $600.62 $107,166.34
183 $107,166.34 $338.45 $0.00 $605.93 $108,110.72
184 $108,110.72 $338.45 $0.00 $611.27 $109,060.44
185 $109,060.44 $338.45 $0.00 $616.64 $110,015.53
186 $110,015.53 $338.45 $0.00 $622.04 $110,976.02
187 $110,976.02 $338.45 $0.00 $627.47 $111,941.94
188 $111,941.94 $338.45 $0.00 $632.94 $112,913.33
189 $112,913.33 $338.45 $0.00 $638.43 $113,890.21
190 $113,890.21 $338.45 $0.00 $643.95 $114,872.61
191 $114,872.61 $338.45 $0.00 $649.51 $115,860.57
192 $115,860.57 $338.45 $0.00 $655.09 $116,854.11
193 $116,854.11 $338.45 $0.00 $660.71 $117,853.27
194 $117,853.27 $338.45 $0.00 $666.36 $118,858.08
195 $118,858.08 $338.45 $0.00 $672.04 $119,868.57
196 $119,868.57 $338.45 $0.00 $677.75 $120,884.77
197 $120,884.77 $338.45 $0.00 $683.50 $121,906.72
198 $121,906.72 $338.45 $0.00 $689.28 $122,934.45
199 $122,934.45 $338.45 $0.00 $695.09 $123,967.99
200 $123,967.99 $338.45 $0.00 $700.93 $125,007.37
201 $125,007.37 $338.45 $0.00 $706.81 $126,052.63
202 $126,052.63 $338.45 $0.00 $712.72 $127,103.80
203 $127,103.80 $338.45 $0.00 $718.66 $128,160.91
204 $128,160.91 $338.45 $0.00 $724.64 $129,224.00
205 $129,224.00 $338.45 $0.00 $730.65 $130,293.10
206 $130,293.10 $338.45 $0.00 $736.70 $131,368.25
207 $131,368.25 $338.45 $0.00 $742.78 $132,449.48
208 $132,449.48 $338.45 $0.00 $748.89 $133,536.82
209 $133,536.82 $338.45 $0.00 $755.04 $134,630.31
210 $134,630.31 $338.45 $0.00 $761.22 $135,729.98
211 $135,729.98 $338.45 $0.00 $767.44 $136,835.87
212 $136,835.87 $338.45 $0.00 $773.69 $137,948.01
213 $137,948.01 $338.45 $0.00 $779.98 $139,066.44
214 $139,066.44 $338.45 $0.00 $786.30 $140,191.19
215 $140,191.19 $338.45 $0.00 $792.66 $141,322.30
216 $141,322.30 $338.45 $0.00 $799.06 $142,459.81
217 $142,459.81 $338.45 $39,680.34 $805.49 $103,923.41
218 $103,923.41 $338.45 $0.00 $587.60 $104,849.46
219 $104,849.46 $338.45 $0.00 $592.83 $105,780.74
220 $105,780.74 $338.45 $0.00 $598.10 $106,717.29
221 $106,717.29 $338.45 $0.00 $603.40 $107,659.14
222 $107,659.14 $338.45 $0.00 $608.72 $108,606.31
223 $108,606.31 $338.45 $0.00 $614.08 $109,558.84
224 $109,558.84 $338.45 $0.00 $619.46 $110,516.75
225 $110,516.75 $338.45 $0.00 $624.88 $111,480.08
226 $111,480.08 $338.45 $0.00 $630.32 $112,448.85
227 $112,448.85 $338.45 $0.00 $635.80 $113,423.10
228 $113,423.10 $338.45 $0.00 $641.31 $114,402.86
229 $114,402.86 $338.45 $41,664.35 $646.85 $73,723.81
230 $73,723.81 $338.45 $0.00 $416.85 $74,479.11
231 $74,479.11 $338.45 $0.00 $421.12 $75,238.68
232 $75,238.68 $338.45 $0.00 $425.41 $76,002.54
233 $76,002.54 $338.45 $0.00 $429.73 $76,770.72
234 $76,770.72 $338.45 $0.00 $434.07 $77,543.24
235 $77,543.24 $338.45 $0.00 $438.44 $78,320.13
236 $78,320.13 $338.45 $0.00 $442.83 $79,101.41
237 $79,101.41 $338.45 $0.00 $447.25 $79,887.11
238 $79,887.11 $338.45 $0.00 $451.69 $80,677.25
239 $80,677.25 $338.45 $0.00 $456.16 $81,471.86
240 $81,471.86 $338.45 $0.00 $460.65 $82,270.96
241 $82,270.96 $338.45 $43,747.57 $465.17 $39,327.01
242 $39,327.01 $338.45 $0.00 $222.36 $39,887.82
243 $39,887.82 $338.45 $0.00 $225.53 $40,451.80
244 $40,451.80 $338.45 $0.00 $228.72 $41,018.97
245 $41,018.97 $338.45 $0.00 $231.93 $41,589.35
246 $41,589.35 $338.45 $0.00 $235.15 $42,162.95
247 $42,162.95 $338.45 $0.00 $238.40 $42,739.80
248 $42,739.80 $338.45 $0.00 $241.66 $43,319.91
249 $43,319.91 $338.45 $0.00 $244.94 $43,903.30
250 $43,903.30 $338.45 $0.00 $248.24 $44,489.99
251 $44,489.99 $338.45 $0.00 $251.55 $45,079.99
252 $45,079.99 $338.45 $0.00 $254.89 $45,673.33
253 $45,673.33 $0.00 $45,934.95 $258.24 ($3.38)