UGMA/UTMA conversion calculator

See whether it makes financial sense for you to move money from an UGMA/UTMA account into a 529 plan.

Your current UGMA/UTMA account

Child's current age
College start age
Your federal tax rate

Investment type Current balance Total investment amount Expense ratio
$ $ %

Rate of return
%

Your potential 529 savings plan

Expense ratio
%

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This figure includes the total amout you contributed to the account (including any dividends that were reinvested). We'll subtract it from your balance to determine your taxable capital gains.

If you know your current expense ratio, you can enter it here. If you don't enter an expense ratio, we'll use the average expense ratio for Vanguard mutual funds, which is 0.18%.*

You can also choose to enter the average expense ratio for all funds industry-wide, which is 1.02%.*

*Sources: Vanguard and Lipper, a Thomson Reuters Company, as of December 31, 2014.

We calculate an expected average rate of return based on the investments you hold in your account and the long-term historical returns associated with these investment types. If you wish, you can change the rate of return we use in the calculation.

If you know the expense ratio for the 529 investments you're considering, you can enter it here.

If you don't know the expense ratio for the 529 investments you're considering, enter one of these:

*Sources: Vanguard and Strategic Insights, as of June 30, 2014.