School Type
Select the type of school you're planning for. We'll use current College Board cost of attendance averages.
🏫
Community College
$21,320/yr
🏛
Public 4-Year In-State
$30,990/yr
🌎
Public 4-Year Out-of-State
$50,920/yr
🌟
Private Nonprofit 4-Year
$65,470/yr
Expected Return Rate
Conservative
4%
Bond-heavy portfolio. Only recommended when tuition bills are 1–2 years away.
Moderate
7%
Balanced mix of stocks and bonds. A transitional option for families 2–3 years out.
Aggressive
10%
Growth-stock mutual funds. Ramsey's recommended default — stay here as long as you have 3+ years of runway.
Show Me My Debt-Free Degree Plan
What can you realistically save?
Drag the slider to your actual monthly budget. We'll show you what gap remains and what has to close it.
Your savings cover
0%
Remaining gap
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Your Savings Plan at a Glance
Savings build up before college, then draw down as each year's tuition is paid.
Building
Drawing down
How the Cost Gets Covered
0%
covered
Your Savings
$—
Aid / Scholarships
$—
Remaining Gap
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