College Cost Calculator
Cost a year today
usd
Tuition, fees, room and board. College Board put the 2025-26 average at $11,610 in-state public, $29,910 out-of-state public and $46,730 private.
Years until they start
years
Years of study
years
College inflation
percent
Published tuition has risen faster than general inflation for four decades, though the last few years have been closer to it. 4% is a middle assumption.
Saved so far
usd
Saving a month
usd
Return on savings
percent
A 529 portfolio glides from equities into bonds as the start date nears, so the long-run figure is lower than a pure stock return.
Total cost of the degree
$188,008
Show the work
College Cost Calculator
by Rule Calculator