Worth Shield Financial Services · Personal planning estimate
529 College Funding Projection
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College Calculator
529 Plan Calculator
Compare monthly savings with an inflation-adjusted college funding target, using explicit deposit and withdrawal timing.
Education Savings Inputs
Effective annual return is converted to an equivalent monthly rate. Deposits occur at month end until college begins, then stop. College bills are withdrawn at the beginning of each academic year. Enter a return net of fees; it is not guaranteed. State benefit is separately verified and paid outside the account.
Understanding 529 College Savings
529 accounts can offer tax-free earnings when distributions meet qualified-expense rules. Contributions are not federally deductible. Account limits, gift reporting, state incentives and state conformity require separate review.
How This Calculator Works
Monthly deposits and growth are calculated on the same timeline. Each college bill is inflated to its own year and discounted back to enrollment. The required monthly deposit uses the same monthly rate as the balance projection, including a zero-return case. Negative returns can be illustrated, but actual market sequence risk is not modeled.
IRS qualified tuition program rulesFrequently Asked Questions
Each college year is inflated separately from today. Withdrawals are assumed at the beginning of each academic year. The enrollment target discounts later withdrawals at your entered return; it differs from the nominal sum of all tuition bills. Actual costs, returns, fees and withdrawal timing can differ.
Education savings
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