Adams Wealth Partners
Education Planning Tool
All Calculators

College Cost Calculator

Plan your child's education funding with confidence — search any school and model every funding source

Step One
Find Your School
School Lookup AI-Powered
🔍
In-State Tuition & Fees
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Room & Board (On-Campus)
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✅
Auto-Applied to Calculator
Tuition & room and board updated below. Toggle residency above to recalculate instantly.
Search by name · Data sourced from latest NCES/CollegeBoard averages via AI lookup
Step Two
Costs & Timeline
Tuition & Academic Costs
$
$
%
Room, Board & Personal
Include Room & Board
$
$
$
Study Abroad / Misc Costs
$
Step Three
Funding Sources
All Funding Sources
Savings & Assets
529 Plan Balance
$
%
Use 529 for Private K-12
Up to $20,000/yr federally tax-free
$
Select Grades
Total K-12 Withdrawals $0
529 Left for College —
Other Savings / UTMA
$
Roth IRA (education use)
$
Grandparent / Family Gifts
$
Aid, Loans & Income
Scholarships (Total)
$
Grants / Financial Aid
$
Student Loans
$
Work-Study / Student Income
$
Annual Out-of-Pocket
$
Your Results
Cost & Funding Summary
4-Year Total Cost
—
all costs, inflation-adjusted

Enter your information above to see your personalized funding analysis.

Cost Summary
Annual Cost (Today) —
Annual Cost (At Enrollment) —
4-Year Total (Inflated) —
Cost Breakdown
Tuition & Books
Room & Board
Personal / Transport
Funding Summary
Total Funding (4-Year) —
529 Projected Value —
Funding Mix
529
Savings
Aid/Scholarships
Out-of-Pocket
Loans
✅
Fully Covered Your funding sources cover the projected cost.
Savings Recommendation
To Close the Funding Gap, Consider:
Monthly 529 Contribution Needed
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Remaining Gap (4-Year)
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Average Annual Cost
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Net Out-of-Pocket (4-Year, After All Funding) —
Planning Tip

Max 529 contributions grow tax-free. Contributions up to $19,000/yr (2025) qualify for the annual gift tax exclusion per contributor. Starting early dramatically reduces the monthly savings needed.

Adams Wealth Partners
Nashville, Tennessee · (615) 435-3644 · team@adamswealthpartners.com
This calculator is for educational and planning purposes only and does not constitute financial, tax, or investment advice. Consult with your Adams Wealth Partners advisor before making education funding decisions. Retire While You Work® is a registered philosophy of Adams Wealth Partners.
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