529 college savings projection API

Project a 529 plan against future tuition by compounding savings (future value of an annuity) and inflating each enrollment year's cost via Σ currentCost·(1+inflation)^(years+y), returning projected savings, total inflated cost, coverage percent, shortfall, and a funded rating. Answers 'will my 529 cover college','how much will tuition cost in 15 years','am I saving enough for my kid's education'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-529-college

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calc529collegetuitioneducation-savingsinflationpersonal-financeprojection

API URLhttps://x402.hexl.dev/v1/calc/pf-529-college

Integration docs

Example request

{
  "currentSavings": 5000,
  "monthlyContribution": 300,
  "yearsUntilCollege": 15,
  "annualReturnPercent": 6,
  "currentAnnualCost": 25000,
  "collegeYears": 4,
  "costInflationPercent": 5
}

Example response

{
  "formula": "savings FV vs Σ currentCost·(1+inflation)^(years+y) for y in college years",
  "projectedSavings": 99516.08,
  "projectedTotalCost": 224011.01,
  "coveragePercent": 44.4,
  "shortfall": 124494.93,
  "rating": "partially funded",
  "breakdown": {
    "currentSavings": 5000,
    "monthlyContribution": 300,
    "yearsUntilCollege": 15,
    "annualReturnPercent": 6,
    "currentAnnualCost": 25000,
    "collegeYears": 4,
    "costInflationPercent": 5
  }
}

Input schema

{
  "type": "object",
  "required": [
    "currentSavings",
    "monthlyContribution",
    "yearsUntilCollege",
    "annualReturnPercent",
    "currentAnnualCost"
  ],
  "properties": {
    "currentSavings": {
      "type": "number",
      "examples": [
        5000
      ]
    },
    "monthlyContribution": {
      "type": "number",
      "examples": [
        300
      ]
    },
    "yearsUntilCollege": {
      "type": "number",
      "examples": [
        15
      ]
    },
    "annualReturnPercent": {
      "type": "number",
      "examples": [
        6
      ]
    },
    "currentAnnualCost": {
      "type": "number",
      "description": "today's annual tuition+fees",
      "examples": [
        25000
      ]
    },
    "collegeYears": {
      "type": "number",
      "description": "default 4",
      "examples": [
        4
      ]
    },
    "costInflationPercent": {
      "type": "number",
      "description": "tuition inflation, default 5",
      "examples": [
        5
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}