College Savings Calculator Ultimate
Multi-child education savings planning with tuition inflation projections, 529 vs taxable account comparison, year-by-year cost and savings projections, and contribution sensitivity grids.
包含内容
- Setup sheet for multiple children with current age, expected enrollment year, tuition cost, and savings target inputs
- Dashboard with 6 KPIs covering total target, current savings, monthly contribution needed, projected shortfall, years to enrollment, and progress percent
- Savings Projection sheet showing year-by-year balance growth with contributions and investment returns
- Cost Projection sheet adjusting future tuition cost by a customizable inflation rate over the years to enrollment
- 529 vs Taxable comparison contrasting tax-advantaged growth, withdrawal rules, and after-tax balances side by side
- Contribution Planner sensitivity grid showing how monthly contribution and return rate combinations change the final balance
- Conditional formatting highlights on-track vs behind-schedule savings progress across the dashboard
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no macros required
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如何使用此模板
Enter child and goal details
In the Setup sheet, add the child name, current age, expected enrollment year, current tuition cost, and your savings target.
Adjust assumptions
Set the tuition inflation rate, expected investment return, and monthly contribution. The dashboard updates automatically.
Compare 529 vs taxable
Review the 529 vs Taxable sheet to see how tax treatment changes the balance available at enrollment.
Tune contributions
Use the Contribution Planner sensitivity grid to find a combination of monthly contribution and return rate that hits your target.
Customer Reviews
What Our Customers Say
"If I get half as good at handling my finances as you are at customer service, this'll be the best $26 I've spent lately."
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"They're great and super intuitive. Thank you!"
由 Claude AI 构建，经我们精心打磨。
我们使用 Claude AI 在深入研究后起草每个模板。然后由团队接手，优化布局、全面测试每个公式、修复边界情况，并打磨设计，直到达到我们自己愿意使用的标准。AI 完成了 80% 的工作，最后 20% 靠的是人工判断。
一次性购买。无需订阅。适用于 Excel 和 Google Sheets。
常见问题
How many children can I track?
The Ultimate template supports planning for multiple children. Use one row per child in the Setup sheet and the projections update for each.
What tuition inflation rate should I use?
College costs have historically risen 5% to 8% per year, faster than general inflation. Adjust the inflation input based on whether you are targeting in-state, out-of-state, or private institutions.
What does the 529 vs Taxable sheet compare?
It models the same contribution growing in a tax-advantaged 529 plan versus a taxable brokerage account, accounting for ongoing tax drag and the eventual after-tax balance available for tuition.
How does the contribution planner help?
The sensitivity grid shows the projected final balance across a matrix of monthly contributions and expected return rates, so you can see how a small change to either side moves the outcome.
Can I plan for graduate school?
Yes - extend the enrollment year and target cost to cover graduate years, or duplicate the file to model undergrad and graduate plans separately.
购买后我会收到什么？
您将收到一个 Excel 文件（.xlsx），适用于 Microsoft Excel、Google Sheets 和 LibreOffice Calc。购买后即可下载 - 无需注册或创建账户。
有免费版本吗？
有。此模板有基础功能的免费版本。Ultimate 版本增加了高级分析、更大容量和更多工作表。
如果不适合我怎么办？
请联系我们，我们会协助您解决问题。此模板适用于 Microsoft Excel、Google Sheets 和 LibreOffice Calc，无需宏。