In-state public university
$239,000
$106,900 at today’s prices. Starting fall 2045.
From first breath to first semester
They’ll be on campus before you know it.
Answer a few questions about your little one. See what college may cost by the time they go, how far your savings will stretch, and the monthly number that gets them there.
About three minutes. No account to open.
The price tag, eighteen years out
Four years of college for a baby born this year.
Tuition, fees, housing and food at today’s average prices, rising 4% a year until move-in day.
Out-of-state public university
$422,000
$188,600 at today’s prices. Starting fall 2045.
Private university
$563,000
$251,700 at today’s prices. Starting fall 2045.
Averages for the 2026–27 school year from the College Board’s Trends in College Pricing. These are published prices before grants and scholarships; most families pay less than the full figure.
The years between
Small amounts, started early, do the heavy lifting.
Here is one fund growing up alongside one child: $200 a month from the week they come home.
Day one
The first deposit
$200in the fund
Age 1
First steps
$2,500in the fund
Age 5
First day of school
$14,200in the fund
Age 12
Middle school
$42,500in the fund
Age 18
Move-in day
$75,400in the fund
Of that $75,400, the family put in $45,000. Growth added $30,365.
Your report
A plan you can read at a glance.
Every figure comes from your answers. Change one and the whole report moves with it.
The jar
One picture of the whole plan. Each line on the glass is a year of college, and the fill shows how many of them you are on pace to cover.
Fund Facts
What goes in, what growth adds, and how much of each college year it pays for, on one label.
Fund Facts
18.8 years of savingFor Mia
Monthly amount$200
Fund at
move-in day$85,833
move-in day$85,833
You put in$50,900
Saved so far$500
Family gifts each year$300
Growth adds$34,933
% of each year covered
Freshman year $56,295100%
Sophomore year $58,54752%
Junior year $60,8890%
Senior year $63,3240%
Based on in-state public university prices rising 4% a year and covering 100% of the bill.
The growth chart
Like the chart at the pediatrician’s office, drawn for their fund. Four lanes, one for each year of college, and your line among them.
How it works
Three minutes now. Eighteen years of knowing.
Tell us about them
A first name, a birthday or due date, and the kind of school you picture. Eight short questions in all.
Watch the jar fill
Your savings, your monthly amount and any gifts from family turn into years of college covered as you type.
Leave with your number
A monthly amount to aim for, a mark to hit on every birthday, and an advisor to talk it through with if you want one.
Where the money can live
Three accounts worth knowing before their first birthday.
529 plan
Growth is free of federal tax when the money pays for tuition, housing, books and other qualified costs. Many states add a tax break for paying in.
Parents, grandparents and friends can all contribute to the same account.
Trump Account
Children born from 2025 through 2028 can receive a one-time $1,000 federal deposit once a parent opens the account and files the election with the IRS.
The money stays invested until 18 and follows retirement-account rules after that, so it sits beside a college fund.
Custodial account
An UTMA or UGMA account can pay for anything that benefits the child, college or not.
It becomes theirs outright at 18 or 21, depending on the state, and it weighs more heavily in financial aid formulas than a parent’s 529.
Questions
What parents ask first.
Will someone call me?
Only if you ask. Add a phone number or press a request on your report and a licensed financial advisor will reach out. No number and no request means no call.
Where do the numbers come from?
College prices are the College Board’s national averages for 2026–27, raised 4% a year. Savings grow 7% a year while college is more than ten years away, 5.5% from ten to five years out, and 4% in the last five, the way an age-based portfolio shifts toward safer holdings. Your report lists every assumption.
What if they don’t go to college?
A 529 can pay for trade school and registered apprenticeships, move to a brother, sister or cousin, or, once the account has been open 15 years, roll up to $35,000 over time into a Roth IRA in the child’s name.
We can only save a little. Is it worth starting?
Yes. $50 a month from birth grows to about $18,800 by move-in day, enough for both years of community college tuition at projected prices. Your report shows what each extra $25 adds.
Is this financial advice?
No. Your report is an estimate built from your answers and the assumptions shown. Advice comes from a licensed financial advisor, and you choose whether to speak with one.
The best day to start was the day they were born.
The second best is today. See their number in about three minutes.
Start their path