justyourcalculatorCollege Cost Calculator
Project college costs and the monthly savings to cover them.
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College Cost Calculator
Future college cost and the monthly saving it takes
Tuition, fees, room and board. Public in-state averages about $30,000, private about $65,000.
Save each month
$1,075.93
for 10 years
- Total projected cost
- $210,622
- Paid from savings
- $210,622
- Needed when college startsSavings keep earning while you pay for later years
- $192,719
- Current savings grow to
- $17,908
- Total you will deposit
- $129,112
Costs rise 5% a year; savings earn 6% and keep growing during college. Scholarships, grants and 529 tax benefits are not included. Estimates for planning only, not financial advice.
- Cost
| College year | Total cost | From savings |
|---|---|---|
| Year 1 | $48,867 | $48,867 |
| Year 2 | $51,310 | $51,310 |
| Year 3 | $53,876 | $53,876 |
| Year 4 | $56,569 | $56,569 |
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How the college cost calculator works
College costs have historically risen faster than general inflation. We grow today's annual cost by your college inflation rate to each year of study, then work out how much you need in savings on the first day of college, allowing the rest of your savings to keep earning while you pay for later years.
The monthly amount is what you would need to deposit at the end of each month until college starts, on top of your current savings, to reach that goal.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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