To use our calculator, you may accept the defaults, or fill in your own annual values. Then click on Calculate. You may change any values and recalculate as often as you wish. Be aware that the average four year education is quickly becoming the average five year education due to lack of availability of classes. This calculator is designed to help you plan your children's paid educational needs by estimating the future cost of fees, taking into account personal savings, investments and inflation. We strongly suggest you consult your own financial advisor. At best, this calculator is an approximation, based on your entries. Use at your own risk.