Free 529 Contribution Goal calculator with clear step-by-step results.
Works out the level monthly 529 contribution that closes the gap between what your plan is projected to be worth and the balance you want on the first day of college. Your existing balance is compounded forward first, then the remaining shortfall is spread across the months you have left as an ordinary annuity.
Future value of today's balance
Projected = current balance x (1 + monthly return)^months
Contribution needed
Monthly = (target - projected) / (((1 + r)^months - 1) / r)
Educational estimate only. 529 contribution limits, state tax deductions and gift-tax rules vary by state and change over time - confirm with your plan administrator or a tax adviser.
No - the target balance you enter is treated as a nominal dollar figure. If you want to cover inflation, raise the target by roughly 5% per year of college cost growth before entering it.
Age-based 529 portfolios glide from equities into bonds, so a blended 5-7% nominal assumption is common for a 15-year horizon and 3-4% when college is under five years away.