College savings planning has gotten more interesting since Secure 2.0. Money you over-save in a 529 can roll into the beneficiary's Roth IRA — up to $35,000 per beneficiary, subject to annual contribution limits and a 15-year-old account requirement. Our calculator factors that exit door into the savings target so you don't end up with a stranded balance.
Plan for one kid or six. Each gets their own start age, target school tier (in-state public, out-of-state public, private), and inflation assumption. The calculator solves for the monthly contribution to hit your funding goal and shows the projected balance and Roth-rollover headroom in retirement.
What you can do
- Multi-kid planning, separate per-child assumptions
- In-state, out-of-state, and private school tier defaults
- Tuition-inflation override (default 5%)
- Secure 2.0 Roth-rollover modeling
- Solve for monthly contribution given a target
- Save and share scenarios
Frequently asked questions
What if I save too much in the 529?
Excess balances can be rolled to the beneficiary's Roth IRA under Secure 2.0 — up to $35,000 lifetime per beneficiary, subject to annual Roth contribution limits and a 15-year-old account. The calculator surfaces the rollover capacity so you can right-size the savings rate.
Are state tax deductions modeled?
The calculator uses federal-only assumptions. State 529 deductions vary widely — your CPA or our Advisor Recommender can help you choose the right plan.
Can I plan for grandchildren?
Yes — add as many beneficiaries as you want. Each is independent.
Ready to run the numbers?
The 529 College Savings Calculator runs entirely in your browser. Free, no sign-up required to use it.
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