College Tuition Cost Projection

Tuition × (1 + inflation)^years. Plan ahead; tuition has historically risen 5-7%/yr.

Inputs

Historical 1990-2020: ~5-7%/yr. Recent slower (3-4%).

Result

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General calculation reads

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How to use this calculator

  • Enter current tuition.
  • Pick inflation rate (5-7% historic; 3-4% recent).
  • Years until enrollment + duration.

About this calculator

Tuition has historically risen 5-7% per year (much faster than general inflation). A $25k/year college today, projected 10 years out at 5% inflation: ~$40k year 1, total 4-year ~$170k. Plus room and board, books, fees adds ~50%. 529 plans + Coverdell ESA grow tax-free for education. Start saving early — even $100/month from birth at 7% returns ~$50k by college age.

Frequently asked

Inflation rate to use?+
1990-2020: 5-7%. 2020-2024: ~3-4% (rate slowed). Conservative future: 4%.
Does this include room/board?+
No — tuition only. Total cost of attendance (CoA) typically 1.4-1.6× tuition for residential students.
529 plans?+
Tax-advantaged college savings. Contributions deductible in many states; growth tax-free for qualified education expenses.
Public vs. private?+
In-state public ~$10-15k tuition. Out-of-state public ~$30-40k. Private ~$50-80k. Net price (after aid) often much lower.
How much should I save?+
Common rule: 1/3 from savings, 1/3 from current income during college, 1/3 from loans/financial aid.

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