Project how a 529 college fund grows with contributions.
A 529 plan compounds current savings and monthly contributions until the child reaches college. The projection separates contributed money from investment growth. Starting a college fund early maximizes tax-advantaged growth, and projecting it shows how much monthly saving really matters.
529 Plan Growth
Projected = P(1+m)^n + PMT x ((1+m)^n - 1)/m
Projected = P(1+m)^n + PMT x ((1+m)^n - 1)/m A 529 plan compounds current savings and monthly contributions until the child reaches college. The projection separates contributed money from investment growth.
Starting a college fund early maximizes tax-advantaged growth, and projecting it shows how much monthly saving really matters.
This calculator takes 4 inputs: Current balance, Monthly contribution, Annual return, Years to college. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.