Vanguard College Savings Projector

College Savings Projector

Calculate what your savings may be worth when your child starts college, and compare a tax-free account (such as a state 529 plan) to a taxable account.

Your data

Your savings balance today	$
Planned annual contributions	$
Future lump sum amount This calculator provides for a lump sum amount that you expect to add to your child's savings at some time in the future. Enter the amount expected here, and enter the number of years until it will be added to the account on the next line.	$
Years until lump sum
Years until college
Pre-tax rate of return For guidance in estimating a rate of return, consider the historical return information for the following: Bank accounts, money market funds and certificates of deposit (CDs): 1% to 5% A mix of stocks, bonds, and cash, directly or through mutual funds: 5% to 10% Stocks, directly or through stock mutual funds: 8% to 12% Note: Investments that tend to earn a higher rate of return in the long run may be more subject to changes in value. There is no guarantee that you will receive the rate of return that you use in your model.	%
Federal tax rate	%
Output type	Graph Table