How to Save for College for Multiple Kids Without Playing Favorites
Saving for college with more than one child isn't just about saving more — it's about making sure every child gets a fair share.
Read more →The Fair College Funding Calculator
The only college funding calculator built for families with more than one child. Fairly split your 529s, brokerage, and savings accounts — and see exactly what each child can receive.
Free to use · No account required · Built by parents, for parents
Plans for up to 5 children · Handles 529s, brokerage & savings · Results in 2 minutes
The only calculator that handles shared 529s, overlapping college years, and per-child accounts — so every child gets a fair share.
College funding calculator
Find out exactly how much you can fund for each child's college from your savings.
How many children are you planning for?
Three steps to your funding plan
- 1
Enter your children and college start years
- 2
Add your savings accounts — 529s, brokerage, savings
- 3
See your personalized breakdown — free instantly, full report for $29
Fair College Funding
Your College Funding Plan
Prepared for the Sample family
Children2
Annual budget per child$31,200
Total goal$227,200
On trackfully funded ✓
Educational use only · Not financial advice
$29 · one-time
Your personalized college funding plan
One-time payment. Both files emailed to you instantly.
- Personalized PDF report with your exact numbers
- Contribution gap analysis — how far you are from your goal
- ±10% contribution scenario modeling
- Overlap stress test — what happens when kids are in school simultaneously
- Account drawdown strategy — which accounts to tap first and why
- Milestone calendar — key dates and actions for your family
- Excel workbook with year-by-year projections
- Both files emailed instantly after purchase
"The $29 report gave us a real plan to show our financial advisor. She was impressed."
Secure checkout via Stripe · One-time payment, no subscription · Files emailed via Resend
💚 Not what you expected? Email us within 7 days for a full refund — no questions asked.
What parents are saying
"Finally a calculator that accounts for two kids at different schools. The overlap year analysis alone was worth it."
"I had no idea our shared 529 was going to run short during the overlap years. This caught it before it was too late."
"The $29 report gave us a real plan to show our financial advisor. She was impressed."
12 Things Most Parents Forget Before Their First College Bill
A one-page PDF checklist covering the 12 things every parent should do before their child's first college application. Free — no strings attached.
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From the Blog
The College Savings Overlap Problem: What Happens When Two Kids Are in School at Once
If your kids are less than four years apart, there will be years when two of them are in college simultaneously — and most families aren't prepared for what that does to their savings.
Read more →529 vs Brokerage Account for College Savings: Which Is Better?
The tax-free growth of a 529 is hard to beat — but flexibility matters too. Here's how to think about it, especially with multiple kids.
Read more →Common questions
Yes, completely. You only pay $29 if you want the full PDF report and Excel workbook emailed to you.
No. Your numbers stay in your browser session and are never stored on our servers unless you purchase the report.
Equalized mode adjusts how shared accounts are distributed so every child ends up with the same annual budget. Even Split divides shared accounts equally — children with individual 529s receive more on top.
Many parents share it with their financial advisor as a starting point. The report includes a methodology section explaining all assumptions.