Free Printable College Savings Calculator — 529 Projection PDF
Year-by-year college fund projection with monthly deposit, return rate, and compound growth — printable PDF for 529 plan planning.
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A 529 projection without the bank login
The calculator runs a standard monthly-compounded future-value projection: every month it adds interest to the running balance, then your contribution. Rows are year, age, start balance, contributions, growth, end balance — same shape brokerages use.
Try “coffee-money math”: bumping monthly deposit from $100 to $150 over 16 years often adds $15–25k at the end thanks to compounding. The annual return % slider lets you sanity-check optimistic vs. conservative scenarios; 529s historically average 5–7% in age-based portfolios.
Pair with the Savings Challenge for short-term goals, or the Kid Savings tracker so the child sees their own dollars stack up.
Estimate only. 529 plan rules, expense ratios, and tax treatment vary by state — consult a CFP or your state plan for actual numbers.