College Savings Projector
Thirty seconds to a straight answer: what you're on track to have when college starts, what four years might cost, and the gap in between. Not sure which account to use? Read UGMA vs. UTMA vs. 529.
Projected savings when college starts (age 18, in 13 years)
$51,444
Estimated 4-year public in-state cost by then: $205,050 (today ~$29k/year all-in, growing ~4%/year — a rough planning estimate).
You're on track to cover 25% of the estimated cost.
Funding gap: $153,606. Remember: many families plan to cover only part of the cost — aid, scholarships, and current income fill the rest.
What an extra $50/month does
Bumping contributions from $200 to $250/month would grow the projection to $63,216 — $11,772 more for college.