Give every college plan
a clear runway.
Allocate one lump sum, follow Vanguard’s changing target-enrollment mix, and compare the result with four years at a public university.
The lump sum
Drag any child’s share below. The other shares rebalance automatically.
Choose a return scenario
Nominal annual assumptions for the selected scenario. The model weights these by Vanguard’s changing allocation each quarter.
Family outlook
529 growth & funding targets
Projected 529 balances through enrollment, enrollment-date funding targets, and projected four-year public in-state and out-of-state college costs.
Each child’s runway
Names, dates, balances, and enrollment years are editable.
A glide path, not one fixed return.
Vanguard’s target-enrollment portfolios automatically reduce stocks and add bonds and short-term reserves as enrollment approaches. This model interpolates Vanguard’s July 2026 published allocations quarterly, applies the selected asset-class returns, and subtracts the portfolio expense ratio.
College costs rise from today’s estimate through each of four school years. Withdrawals occur at the start of each school year; money left in the account continues along the same glide path.
The family outlook treats every account as a transferable sibling pool. It converts goals and planned contributions to today-equivalent dollars, then checks every projected bill chronologically so later contributions cannot hide an earlier shortfall. Child cards remain account-specific.
Planning estimate only—not investment, tax, or legal advice. Returns are assumptions, not forecasts or guarantees.