For each child the calculation assumes that the cost of college will increase at the rate of inflation provided by the user, that college savings will earn the hypothetical annual rate of return provided by the user, and that the periodic contributions will occur without interruption through the end of college.
The calculation assumes that the cost of college will increase at the rate of inflation provided by you or your financial consultant and that college savings will earn the hypothetical annual rate of return provided by you or your financial consultant.
The national average cost data is from The College Board's annual "Trends in College Pricing" report. All Rights Reserved. The college costs used in this calculator are based on data collected and provided by DST Systems, Inc., an SS&C company.
For the purposes of this calculator, college costs include tuition, fees, room & board, as supplied to the College Board and DST from the institutions. The average costs are based on two and four year, public and private colleges for each state and nationally. There are different kinds of institutions in each region, and because of this, there may be a large variation in the actual costs for specific institutions.
This calculator assumes that overall college costs (education cost inflation) will increase each year by the rate you selected for each child\'s costs, with a default of 5%. The impact of inflation on higher education expenses is uncertain and the rate of inflation could exceed the rate of return on your investments. This calculator also allows you to enter your hypothetical average annual rate of return. You may wish to choose a conservative hypothetical average annual rate of return. The default is 5% should you not choose a specific return.
The savings goals depicted by this calculator are an estimate based on certain assumptions and cannot guarantee that the sufficient money will be saved. The calculation results are estimates based on the information you have provided. To help understand and use the calculation output effectively, please note the following items:
This calculation is for hypothetical purposes only. The information entered may vary from actual individual circumstances. The calculation relies on certain assumptions in addition to the information you provided and does not guarantee future performance of any investment option. DST will not be liable for any damages arising from the use or misuse of this calculator or from any errors or omission in the same.
Any calculation does not take into account the costs or fees associated with (1) transferring assets between the accounts, (2) the differences in the rate of return on investments within the account, (3) investing in the Plan (i.e., annual account fees), or (4) the effect of federal and/or state taxes. This calculator allows you to enter your hypothetical average annual rate of return. For a more accurate estimate of the investment required to fund your college costs, you may wish to choose a conservative expected rate of return on your investments.
State income tax rules on how withdrawals are handled may vary. The calculator results do not take into account any state tax issues.
Information and interactive planners are provided by DST and are made available to you and your financial consultant. We encourage you work with your financial consultant to develop a college savings strategy that is right for you.
This College Planning Tool is intended as a tool to provide you an illustration of the future costs of college and the potential savings that could be accumulated in a 529 college savings plan. College costs may be more or less than what is shown and other costs may be incurred in attaining a college education. The illustration is supplied in response to your specific request and is based on hypothetical future inflation rates and investment performance. There can be no assurance of future performance as actual returns will fluctuate with market conditions. The illustration reflects compounding at a hypothetical fixed rate of return and is not intended to project the performance of any specific investment vehicle. Please note that periodic investing does not insure profit and does not protect against loss in declining markets. College planner illustration produced by DST Systems, Inc., an SS&C company and is for hypothetical purposes only.
The Bright Directions Advisor-Guided 529 College Savings Program is sponsored by the State of Illinois and administered by the Illinois State Treasurer, as Trustee. Union Bank & Trust Company serves as Program Manager and Northern Trust Securities, Inc. acts as Distributor. Investments in the Bright Directions Advisor-Guided 529 College Savings Program are not guaranteed or insured by the State of Illinois, the Illinois State Treasurer, Union Bank & Trust Company, Northern Trust Securities, Inc., the Federal Deposit Insurance Corporation, or any other entity.
An investor should consider the investment objectives, risks, and charges and expenses before investing. This and other important information is contained in the Bright Directions Advisor-Guided 529 College Savings Program Disclosure Statement which can be obtained from your financial professional or at BrightDirections.com and should be read carefully before investing. You can lose money by investing in a portfolio. Each of the portfolios involves investment risks, which are described in the Program Disclosure Statement.
Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s 529 plan.
This College Planning Tool is intended as a tool to provide you an illustration of the future costs of college and the potential savings that could be accumulated in a 529 college savings plan. College costs may be more or less than what is shown and other costs may be incurred in attaining a college education. The illustration is supplied in response to your specific request and is based on hypothetical future inflation rates and investment performance. There can be no assurance of future performance as actual returns will fluctuate with market conditions. The illustration reflects compounding at a hypothetical fixed rate of return and is not intended to project the performance of any specific investment vehicle. Please note that periodic investing does not insure profit and does not protect against loss in declining markets. College planner illustration produced by DST Systems, Inc., an SS&C company, and is for hypothetical purposes only.
The Bright Start Direct-Sold College Savings Program is part of the Illinois College Savings Pool and is designed to qualify as a qualified tuition program under the provisions of Section 529 of the Internal Revenue Code. The Bright Start Direct-Sold College Savings Program is sponsored by the State of Illinois and administered by the Illinois State Treasurer, as Trustee. Union Bank & Trust Company serves as Program Manager. Investments in the Bright Start Direct-Sold College Savings Program are not guaranteed or insured by the State of Illinois, the Illinois State Treasurer, Union Bank & Trust Company, the Federal Deposit Insurance Corporation, or any other entity.
An investor should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing. This, and other important information, is contained in the fund prospectuses and the Bright Start Direct-Sold College Savings Program Disclosure Statement (issuer’s official statement), which can be obtained at BrightStart.com and should be read carefully before investing. You can lose money by investing in a Portfolio. Each of the Portfolios involves investment risks, which are described in the Program Disclosure Statement.
Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s 529 plan.
| Not FDIC Insured | | | No Bank Guarantee | | | May Lose Value |
This College Planning Tool is intended as a tool to provide you an illustration of the future costs of college and the potential savings that could be accumulated in a 529 college savings plan. College costs may be more or less than what is shown and other costs may be incurred in attaining a college education. The illustration is supplied in response to your specific request and is based on hypothetical future inflation rates and investment performance. There can be no assurance of future performance as actual returns will fluctuate with market conditions. The illustration reflects compounding at a hypothetical fixed rate of return and is not intended to project the performance of any specific investment vehicle. Please note that periodic investing does not insure profit and does not protect against loss in declining markets. College planner illustration produced by DST Systems, Inc., an SS&C company and is for hypothetical purposes only.
The CollegeCounts 529 Fund Advisor Plan is a qualified tuition program under Section 529 of the Internal Revenue Code that is offered by the State of Alabama and administered by the Board of Trustees of the ACES Trust Fund (the “Trust” and plan issuer). Union Bank & Trust Company serves as Program Manager and Northern Trust Securities, Inc., acts as Distributor. Accounts and investments under the CollegeCounts 529 Fund Advisor Plan are not insured or guaranteed by the FDIC, the State of Alabama, the State of Alabama Treasurer, the Board, the Trust, the Program, Union Bank & Trust Company, Northern Trust Securities, Inc., or any other entity. Investment returns are not guaranteed, and you could lose money by investing in the plan.
An investor should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing. This, and other important information, is contained in the fund prospectuses and the CollegeCounts 529 Fund Advisor Plan Program Disclosure Statement (issuer’s official statement), which can be obtained from a financial professional and on CollegeCounts529advisor.com and should be read carefully before investing. You can lose money by investing in a portfolio. Each of the portfolios involves investment risks, which are described in the Program Disclosure Statement.
An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s 529 plan. Investors should consult a tax advisor.
| Not FDIC Insured | | | No Bank Guarantee | | | May Lose Value |
This College Planning Tool is intended as a tool to provide you an illustration of the future costs of college and the potential savings that could be accumulated in a 529 college savings plan. College costs may be more or less than what is shown and other costs may be incurred in attaining a college education. The illustration is supplied in response to your specific request and is based on hypothetical future inflation rates and investment performance. There can be no assurance of future performance as actual returns will fluctuate with market conditions. The illustration reflects compounding at a hypothetical fixed rate of return and is not intended to project the performance of any specific investment vehicle. Please note that periodic investing does not insure profit and does not protect against loss in declining markets. College planner illustration produced by DST Systems, Inc., an SS&C company and is for hypothetical purposes only.
The CollegeCounts 529 Fund is a qualified tuition program under Section 529 of the Internal Revenue Code that is offered by the State of Alabama, administered by the Board of Trustees of the ACES Trust Fund (the "Trust" and plan issuer), marketed as the CollegeCounts 529 Fund, and Union Bank & Trust Company serves as Program Manager. Accounts and investments under the CollegeCounts 529 Fund are not insured or guaranteed by the FDIC, the State of Alabama, the State of Alabama Treasurer, the Board, the Trust, the Program, Union Bank & Trust Company, or any other entity. Investment returns are not guaranteed, and you could lose money by investing in the Plan.
An investor should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing. This and other important information is contained in the fund prospectuses and the CollegeCounts 529 Fund Program Disclosure Statement (issuer's official statement), which can be obtained by calling 866.529.2228 and at CollegeCounts529.com and should be read carefully before investing. You can lose money by investing in a portfolio. Each of the portfolios involves investment risks, which are described in the Program Disclosure Statement.
An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s 529 plan. Investors should consult a tax advisor.
Please choose “allow pop-ups from this site” in your browser to ensure the report is visible.
Please choose “allow pop-ups from this site” in your browser to ensure the report is visible.
| College Savings Planner |  |
Get personalized insight into how a tax-favored savings option, such as a 529 College Savings Plan, can help you save for college. Input your college funding goals, examine your total projected costs and estimate the monthly amount you need to save to meet your objective.
and room & board.