Как да изчислим College Cost Calculator
Какво е College Cost Calculator?
A college cost calculator projects the future cost of higher education, accounting for tuition inflation (historically 4–6%/year), and estimates how much needs to be saved monthly to meet that goal. Starting early dramatically reduces the monthly burden due to compound investment growth.
Ръководство стъпка по стъпка
- 1Future cost = Current annual cost × (1 + inflation)^years
- 2Repeat for each year of college (costs rise each year)
- 3Subtract projected savings growth from total projected cost
- 4Remaining gap / future value annuity factor = monthly savings needed
Worked Examples
Вход
$35,000/year (4yr) starting in 12 years at 4% inflation
Резултат
Total cost ~$211,000
Same school costs 60% more in 12 years
Вход
$0 saved, 12 years to go, need $211k at 7% return
Резултат
Save ~$860/month now
Starting at birth: ~$450/month