Every 529 question. One place.
What are you trying to figure out about your 529?
Most 529 sites hand you a calculator and leave the decision to you. Start with your actual question instead — we'll show you the scenarios, the trade-offs, and what to look at next.
- Free to use
- No account needed
- We never ask for account or Social Security numbers
I already have a 529
- Should I stop contributing?
- Am I overfunded?
- Should I reduce instead?
Four paths compared, plus a funding ratio
I'm saving for college
- How much should I save?
- Which plan should I use?
A target, a monthly number, and a plan shortlist
My child is nearing college
- Am I on track?
- What is my funding gap?
A readiness range and the gap to close
I have leftover 529 money
- What if there's a scholarship?
- What if they don't attend?
- Can I move it?
Reuse, rollover and withdrawal pathways
I want to compare options
- 529 or brokerage?
- Which state plan?
Side-by-side trade-offs: tax benefit vs flexibility
I'm saving for multiple children
- How do I split between children?
Family-level allocation and per-child targets
How it works
One set of inputs, reused across every tool. Answer once, then move between questions without starting over.
- 01
Tell us your situation
Five to seven questions — child's age, balance, what you contribute now. No account, no login, no personal details.
- 02
See the paths side by side
One set of inputs becomes four comparable scenarios: stop, reduce, continue, increase — projected to the first day of college.
- 03
Understand the trade-off
What drives the difference, where you land against projected costs, and what to check next. Assumptions shown, never hidden.
The flagship question
“I have $100,000 saved. Do I keep going?”
Most tools calculate the numbers. Few are designed around the decision itself. Instead of one number, you get the four paths you're really choosing between — measured against what college is projected to cost by the time your child gets there.
No path is labelled “correct.” The point is to make the trade-off visible enough that you can decide.
Compare my four pathsProjected 529 balance at college
Illustrative onlyChild age 8 · $100,000 balance · 10 years · 6% assumed return
Hypothetical figures shown to illustrate the format. The real tool calculates from your numbers, states its assumptions, and shows how sensitive the answer is to return and inflation.
Why you can check our work
- Every assumption is on the page
- Return, inflation, college type and duration are all visible and adjustable. Results are shown as ranges, not false precision.
- Every rule cites its source
- Tax and state rules link to the primary source — IRS, StudentAid.gov, the plan's own disclosure — with the date we last verified them.
- The math is not written by an AI
- Calculations run on a versioned, tested engine. Plain-English explanations sit on top of it — never in place of it.