Custo de Faculdade — Calculadora Online Grátis
4-year college cost with tuition inflation, savings gap and monthly savings needed
Sobre Esta Calculadora
College tuition has risen at roughly 4–6% per year for the past two decades — nearly double the rate of general inflation. For a child born today, a four-year degree at a public university that currently costs $120,000 total will cost approximately $220,000 in 18 years at 3.5% annual tuition inflation. At a private university currently at $280,000, that rises to over $510,000.
The earlier you start saving, the less monthly contribution you need. Saving $200/month from birth in a 529 account growing at 6% annually accumulates to roughly $73,000 by age 18 — covering about 60% of projected in-state costs without loans. Starting the same plan at age 8 requires nearly $450/month to reach the same amount.
529 accounts offer a state tax deduction on contributions in most states, and all growth is tax-free when withdrawn for qualified education expenses. This calculator shows how much you need to save monthly, given your starting balance, expected return, years until enrollment, and target coverage percentage — making the gap between savings and cost concrete enough to act on.
Projete gastos inflacionados do ensino superior.
Dicas
- College tuition typically inflates at 4-6% per year — start saving early to minimize loans.