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Calcimator

College Cost Planner

Comprehensive college planning calculator with cost estimates, 529 savings projections, financial aid estimation, and student loan planning. Plan for one or multiple children.

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Step 1 of 6

How to Use This Calculator
  1. Select a Planning Mode — 'Comprehensive Plan' combines all four tools at once.
  2. Choose your College Type (Public In-State, Private Non-Profit, etc.) and enter Years of College and Years Until College.
  3. For savings planning, enter your Current 529 Balance and Monthly Contribution; adjust Expected Return to match your fund allocation.
  4. Enter Household Income to get an estimated financial aid amount, and add your Expected GPA and SAT Score for merit scholarship estimates.
  5. For loan projections, enter the Loan Amount, Loan Type, and Repayment Plan to see Monthly Payment and Total Interest.
  6. Review the funding breakdown charts and Year-by-Year table to compare 529 savings, aid, and loan needs side by side.

What each input means

Planning Mode
Calculation mode to use.
Number of Children
Number of dependent children.
College Cost Inflation
Expected annual inflation rate.
Current 529 Balance
Amount currently saved.
Monthly Contribution
Amount contributed each month.
Loan Amount
Total amount borrowed.

How this is calculated

Formula

Future Cost = Annual Cost × (1 + Inflation)^Years | FV Savings = PV × (1+r)^n + PMT × ((1+r)^n − 1) / r

Engine last updated .

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