529 College Savings Nasıl Hesaplanır?
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A 529 college savings plan calculator projects how much a family needs to save monthly to fund future college costs. Contributions grow tax-free, and withdrawals for qualified education expenses are also tax-free. Many states offer additional state tax deductions for contributions.
Formül
Monthly Savings = FV of College Cost / [(((1 + r)^n – 1) / r)]
- FV
- Future Cost of College ($) — Projected total college cost at enrollment
- r
- Monthly Return (%) — Expected monthly investment return
- n
- Months Until College (months) — Number of months until the child enrolls
- PMT
- Monthly Savings ($/month) — Required monthly contribution
Adım Adım Kılavuz
- 1Estimate the future cost of college using current costs and an inflation rate (typically 5–6% for tuition)
- 2Determine the number of years until enrollment
- 3Choose an expected rate of return based on the investment options in the plan
- 4Calculate the monthly contribution needed to reach the target
Çözümlü Örnekler
Giriş
Current cost $25,000/yr, child age 3, 5% college inflation, 7% return
Sonuç
Future 4-year cost ~$195,000. Need to save ~$650/month for 15 years
Giriş
Current cost $12,000/yr (in-state public), child age 8, 6% inflation, 7% return
Sonuç
Future 4-year cost ~$81,000. Need to save ~$540/month for 10 years
Kaçınılması Gereken Yaygın Hatalar
- ✕Using general inflation (3%) instead of college-specific inflation (5–6%)
- ✕Not factoring in financial aid, scholarships, and grants that reduce the needed amount
- ✕Over-saving in a 529, which results in penalties on non-education withdrawals
Sık sorulan sorular
What happens to unused 529 funds?
Starting in 2024, up to $35,000 of unused 529 funds can be rolled into a Roth IRA for the beneficiary (subject to annual Roth limits and a 15-year account minimum). You can also change the beneficiary to another family member.
Can 529 funds be used for K–12 tuition?
Yes, up to $10,000 per year per beneficiary can be used for K–12 tuition at public, private, or religious schools.
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