529 balance
$243,889
Projected value at first enrollment.
Planning Tools
Calculator
529 College Savings Calculator
Estimate whether a 529 savings path is on pace for future education costs, using today’s balance, savings pace, timeline, cost growth, and aid assumptions.
Education Planning529 PlansFamily Wealth
529 Estimate
College savings target
More saving may be needed
$105,714
Projected balance at enrollment is $243,889 against a target balance of $349,603.
Target balance
$349,603
Estimated amount needed at enrollment.
Monthly needed
$1,861
Modeled monthly savings to hit the target.
Plan View
Compare the savings path, college-cost target, and assumptions behind the estimate.
Savings path
- Current 529 balance
- $75,000
- Total future contributions
- $96,000
- Projected investment growth
- $72,889
- Projected 529 balance
- $243,889
Funding target
- Projected net college cost
- $382,081
- Target at enrollment
- $349,603
- Projected funding gap
- $105,714
- Additional monthly needed
- $861
How to use this tool
Use the estimate to frame the education funding path.
01
Model one student's plan
Start with one beneficiary and one timeline. If you are saving for more than one child, run a separate scenario for each expected enrollment year.
02
Pressure-test the cost assumptions
College inflation, investment return, scholarships, and school choice can move the result quickly, so use assumptions you would be willing to revisit.
03
Treat the gap as a planning prompt
A funding gap is not a verdict. It helps frame whether savings pace, cash flow, aid, school selection, or family funding strategy needs another look.
About this model
A college funding estimate, not a promise.
This calculator compares a 529 savings path with a future college-cost target so families can see whether the current plan appears on pace.
The model uses college-cost inflation, investment return, scholarship and grant, and timeline assumptions. It does not pull school-specific pricing, financial-aid formulas, state tax benefits, account fees, investment glide paths, or tax treatment for nonqualified withdrawals.
Bring the education funding path into focus.
If the estimate reveals a gap, surplus, or timing tradeoff, review savings pace, school-cost assumptions, aid expectations, cash-flow tradeoffs, and family funding strategy with PeakStone.