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

Total 4-year cost
$175,518
Year 1 (11 yr from now): $40,722.
  • Current tuition$25,000
  • Inflation5.00%/yr
  • Years until10
  • Year 1 tuition$40,722
  • Total$175,518
  • Year 11$40,722
  • Year 12$42,758
  • Year 13$44,896
  • Year 14$47,141

Step-by-step

  1. Year 1 = 25000 × (1 + 0.05)^10 = $40,722.
  2. Sum over 4 years compounding at 5.0%: $175,518.

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

1990-2020: 5-7%. 2020-2024: ~3-4% (rate slowed). Conservative future: 4%.

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