Planner Calculator 529 USA 2025
Project your savings plan 529 compared to the adjusted university cost for inflation. Discover the monthly contribution needed to fully fund your child's studies.
Plan parameters 529
Risultati della proiezione - 13 anni all'università
Annual Projection
| Year | Child's age | Total Contributions | Investment Income | Balance |
|---|---|---|---|---|
| 1 | 6 | $8.6K | $479 | $9.1K |
| 2 | 7 | $12.2K | $1.3K | $13.5K |
| 3 | 8 | $15.8K | $2.3K | $18.1K |
| 4 | 9 | $19.4K | $3.8K | $23.2K |
| 5 | 10 | $23.0K | $5.6K | $28.6K |
| 6 | 11 | $26.6K | $7.7K | $34.3K |
| 7 | 12 | $30.2K | $10.3K | $40.5K |
| 8 | 13 | $33.8K | $13.4K | $47.2K |
| 9 | 14 | $37.4K | $16.9K | $54.3K |
| 10 | 15 | $41.0K | $21.0K | $62.0K |
| 11 | 16 | $44.6K | $25.6K | $70.2K |
| 12 | 17 | $48.2K | $30.8K | $79.0K |
| 13 | 18 | $51.8K | $36.6K | $88.4K |
Come utilizzare Calcolatore Piano 529 USA 2025
Insert child's age and university starting age
Insert your child's current age and expected university start age (usually 18). This determines the investment horizon.
Set University Target Tuition Fee
Insert the estimated total cost of a 4-year university education in today's dollars. Public university (4 years): ~$100,000; Private university (4 years): ~$220,000.
Configure contributions and performance rate
Set the current plan balance, monthly contribution, and expected annual return. A diversified portfolio typically yields 6-8% annual returns.
Projected savings vs cost
The calculator shows your projected balance compared to the adjusted university tuition cost for inflation. If there's a difference, it will show the monthly contribution needed to cover it.
Suggerimenti
- Start as soon as possible: a plan of 529 started at birth has 18 years of growth.
- Many states offer a tax deduction for contributions to a 529 plan: check if your state offers it.
- Assess the front-loading: IRS allows "superfunding", meaning paying up to 5 years of charitable deduction exemption ($90,000) at once.
Domande frequenti
What is a 529 plan?
A 529 plan is a tax-advantaged savings account designed for education expenses. Contributions are made with after-tax dollars, but earnings grow tax-free and withdrawals are tax-free when used for qualified education expenses (tuition, fees, books, room and board).
What are qualified 529 expenses?
Qualified expenses include tuition, fees, books, supplies, equipment, room and board (if enrolled at least half-time), computers for school use, and K-12 tuition up to $10,000/year. Student loan repayment up to $10,000 lifetime is also allowed.
What happens if my child doesn't go to college?
You can change the beneficiary to another family member (sibling, cousin, etc.). You can also withdraw for non-qualified expenses - you'll pay income tax plus a 10% penalty on the earnings portion. Starting 2024, unused 529 funds can be rolled over to a Roth IRA (lifetime limit $35K per beneficiary).
Are 529 contributions tax-deductible?
Federal law does not allow a federal tax deduction for 529 contributions. However, 36+ states offer a state income tax deduction or credit for contributions to their state's 529 plan.