# 529 College Savings Calculator

> 529 college savings calculator: project the future value of your monthly contributions and investment growth toward expected college costs. Free, no signup.

- **Canonical URL:** https://boringtoolskit.com/529-college-savings-calculator/
- **Category:** Finance & Investing
- **Evidence level:** authored-methodology
- **Reviewed:** July 26, 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

FV = monthly x ((1 + r/12)^(12 x years) - 1) / (r/12), where r is the annual return.

## Worked example

$250/month for 10 years at 6%: $30,000 contributed grows to about $40,970, with growth adding $10,969.84.

## Assumptions

- Returns are assumed constant; real 529 returns vary with markets.
- Earnings withdraw tax-free only for qualified education expenses.

## Related tools

- /savings-calc/
- /compound-interest-calculator/
- /student-loan-payoff/

## Sources

- [Publication 970, Tax Benefits for Education](https://www.irs.gov/publications/p970)
- [Calculation methodology](/methodology/)

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*Local planning estimate. Verify current terms, rates, and policies before acting.*