529 Plan vs. UTMA/UGMA Calculator

Compare 529 Plans and UTMA/UGMA accounts with our interactive calculator. Make informed decisions for your child's future education savings.

Savings Inputs

How to use

Enter your starting investment, annual contribution, expected return, and number of years. Compare projected values for a 529 plan and a UTMA/UGMA account.

Methodology

The calculator uses a compound-growth future value formula with annual contributions applied each year.

Full original guide (expanded)

Compare 529 Plans and UTMA/UGMA accounts with our interactive calculator. Make informed decisions for your child's future education savings.

Formulas
\[FV = P(1+r)^n + C\cdot\frac{(1+r)^n - 1}{r}\]
Citations
  • a third-party reference site — a third-party reference site.com · Accessed 2026-01-19
    https://www.a third-party reference site.com/what-is-an-utma-ugma-529-plan-and-do-you-want-one-5075913
Changelog
  • 0.1.0-draft — 2026-01-19 — Initial audit spec draft generated from HTML extraction (review required). Verify formulas match the calculator engine and convert any text-only formulas to LaTeX. Confirm sources are authoritative and relevant to the calculator methodology.
✓ Verified by Ugo Candido
Last Updated: 2026-01-19
Version 0.1.0-draft