College savings track

Project current savings and monthly additions against years of school × annual cost.

Track education savings inside household finances. It is separate from how much should I save for retirement, but both compete for the same cash flow.

Labels the illustrated state and tax-year pack. This tool’s numbers do not change with state income tax. Medicare, HSA, 401(k), and RMD rules stay federal.

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Nothing is saved. Leaving this page restores the example.

Example report

Illustrated results

Projected savings at college

$24,212

Illustrated 4-year cost

$120,000

Gap

$95,788

Extra monthly savings if short

$780

Savings path vs cost target

Assumptions

  • College cost is not inflated in this illustration. Aid, 529 tax treatment, and room-and-board mix are omitted.
  • The target line is the sum of annual costs for the years of school entered.
  • Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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