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Strategy 6 min read
How much should I save per month for college?
The honest answer depends on three things: your kid's age, where they might go, and how much help you want to give. Here's a simple framework.
The internet is full of '529 calculators' that ask you 14 questions and spit out a number that feels overwhelming. Here's a simpler way to think about it.
The 50/50/0 framework
Pick your target — covering half of an in-state public university, half of a private, or none of it (you want to gift the head-start, not the whole bill).
Use the calculator on our homepage to see what monthly contribution lands you there, given your kid's current age. Adjust until the number feels achievable. The best plan is the one you'll actually stick with.