Compare a tax-deferred account with a taxable account

See how the tax deferral you get with a 529 savings plan can add up.

Your savings balance today
Planned annual contributions
Future lump-sum contribution
Years until lump-sum contribution
Years until college
Rate of return
Federal tax rate
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This calculator provides for a lump-sum amount that you expect to add to your child's savings at some time in the future. Enter the amount expected here, and enter the number of years until it will be added to the account on the next line.

For guidance in estimating a rate of return, consider the typical range of long‑term average returns for these investment types:

Note: Investments that tend to earn a higher rate of return in the long run may be more subject to changes in value. There's no guarantee that you'll receive the rate of return that you use.