Calculateur d'écart d'épargne pour les études
Déterminez combien vous devez économiser pour combler l'écart entre votre épargne actuelle et les coûts universitaires projetés.
Planifiez votre stratégie de financement des études.
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Child Information
Current Savings
College Costs & Goals
Average total cost including tuition, room & board
Investment Assumptions
College Savings Gap Analysis
Savings vs. Cost Projection
To Close the Gap
Current Monthly Savings:
$500
Recommended Monthly Savings:
$613
(+$113 more per month)
Recommendations & Strategies
- •Increase monthly contributions by $113 to reach your 75% coverage goal.
- •Apply for FAFSA every year to maximize federal aid, grants, and work-study opportunities.
Cost Breakdown
Annual Cost Today:
$28,000/year
Projected Annual Cost (in 10 years):
$45,609/year
4-Year Total (Today's Dollars):
$112,000
4-Year Total (Future Dollars):
$182,436
College Savings Tips
529 Plans: Tax-advantaged savings plans with investment options that grow tax-free when used for qualified education expenses.
Coverdell ESA: Allows up to $2,000/year in contributions with tax-free growth for education expenses (including K-12).
FAFSA: File the Free Application for Federal Student Aid every year, even if you think you won't qualify. Many scholarships and grants require it.
Start Early: Thanks to compound interest, saving $200/month starting when your child is born can be worth more than $500/month starting at age 10.
Community College: Consider 2 years at community college then transfer to a 4-year university to save significantly on costs.
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Sources & References
USDA Cost of Raising a Child (Birth to Age 18)
• Average annual cost: $17,000-18,000 per year
• Does NOT include college costs
• Breakdown: Housing (29%), Food (18%), Childcare/Education (16%), Transportation (15%)
Average Childcare Costs (2024)
• Toddler daycare (center-based): $1,000-1,500/month
• Preschool (part-time): $500-900/month
• After-school care: $300-600/month
• In-home nanny: $2,500-4,000/month (varies by location)
Child Care and Development Tax Credit (2024)
• Percentage of expenses: 20-35% based on income
• Max qualifying expenses: $3,000/child (one child), $6,000 (two+ children)
Child Tax Credit (2024)
• Income phase-out: Begins at $200k single, $400k married filing jointly
• $1,600 refundable portion (Additional Child Tax Credit)
Average Cost of Childbirth (2024)
• C-section with insurance: $3,500-6,500 out-of-pocket
• Without insurance: $10,000-30,000 total cost
Annual Child-Related Expenses by Age
• Ages 3-5: $12,000-15,000/year (preschool, clothes, food)
• Ages 6-8: $11,000-14,000/year (activities, education, clothing)
• Ages 9-11: $12,000-15,000/year (activities, electronics, clothing)
• Ages 12-14: $14,000-17,000/year (food, electronics, activities)
• Ages 15-17: $15,000-19,000/year (transportation, food, activities)
College Costs (2024-2025)
• Public 4-year out-of-state: $29,150/year tuition + $12,770 room & board = $41,920 total
• Private 4-year: $41,540/year tuition + $14,650 room & board = $56,190 total
• 4-year total: $96,000-$225,000 depending on institution type
Important
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