College Savings Planner

Use our College Savings Planner to develop your personalized college savings plan and estimate the benefits of saving now with a 529 plan. You can select the type of college you expect to save for, indicate an affordable monthly contribution, and dial in your percentage savings goal to see how your savings will add up. Don't forget to click the Saving vs. Borrowing link to see just how much you'd have to pay if you borrowed that money instead!


  • Not funded by you
  • Shortfall
  • Funded
Estimated total education cost
Amount to be funded by you
Based on current savings
you'll cover
You'll need to save

The Benefits of Savings vs. Borrowing

Saving to pay for college costs less than borrowing, because you don't need to pay back interest when you save. That's why it's important to save as much as you can and as early as you can. Saving early gives your money more time to add up.

Your Projected College Savings:

Here's how much it would cost to borrow your projected savings:

Loan Amount (equivalent of your projected savings)
Estimated Interest to be paid: $Money
Total Amount to be Repaid (Principal & Interest) $Money

Assumes an interest rate of 4.29% throughout the life of the loan & a ten-year repayment period.

Calculator Assumptions

Print Report

For more information about 529 plans managed or administered by Ascensus College Savings call 1.877.529.2980 or click here.

PLEASE NOTE: The projections or other information generated by this tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

Results generated by the College Savings Planner are not intended to project or predict present or future value of actual investments or actual holdings, and they may vary with each use and over time. Past performance is no guarantee of future results.

Before investing in any 529 plan, you should consider whether your or the designated beneficiary’s home state offers a 529 plan that provides its taxpayers with state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s qualified tuition program. You also should consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state's 529 plan(s), or any other 529 plan, to learn more about those plans' features, benefits and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

Investment objectives, risks, charges, expenses, and other important information are included in a 529 plan's offering statement; read and consider it carefully before investing.

When you invest in a 529 plan you are purchasing municipal securities whose value will vary with market conditions. Investment returns are not guaranteed, and you could lose money by investing in a 529 plan. Account owners assume all investment risks as well as responsibility for any federal and state tax consequences.