Goal assumptions
Use one currency throughout. Enter annual rates as nominal percentages, not decimals.
Saving is optional and local to this browser. Values are not uploaded, sent to AI or placed in the page URL.
Savings projection
| Projection line | Basis | Nominal amount |
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Separate the education-cost assumption from the savings-growth assumption
A fund can grow while an education target also becomes more expensive. This calculator projects those two sides independently. A high nominal fund value is not enough by itself; compare it with the future-cost target produced by the separate inflation assumption.
Run several scenarios. A zero-growth case shows contributions without investment growth. A lower-growth or higher-cost-inflation case can expose sensitivity. If costs will be paid over several academic years, prepare a separate cash-flow plan—the single target here is treated as needed on the first entered date.
Frequently asked questions
Where are the country tuition and product-return presets?
They were removed because costs, rates, fees and products change by provider, country and date. Use current figures you can trace to official fee schedules and regulated product documents.
Why are beginning-of-month and end-of-month deposits different?
A beginning-of-month deposit compounds for one additional month. Choose the timing that matches when contributions will actually enter the account.
What does a negative nominal-growth amount mean?
It means the entered negative growth assumption reduces the projected fund below the cash contributed. The model does not estimate investment volatility or probability.
Is the calculated monthly amount a recommendation?
No. It is the constant contribution that solves this specific formula with the entered assumptions. It does not assess affordability, suitability or a financial product.