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Are there any simple online calculators that can help you figure out when a 529 is fully funded (based on age of child and assumptions of college costs, annual rates of return, etc.)? When do you stop putting money in? Do you put less in a younger sibling's account in case the older sibling has leftover money?
 

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Here is a calculator provided by Fidelity. It is partway down the page on the left. It lets you pick a school or calculate for a general 4-year school with room/board, etc. Each state has maximum limits on how much you can contribute. You don't usually have to buy the plan for your state, but if the maximum is a concern, you might want to pick one with a higher maximum. You can change the beneficiary on 529's so if one child doesn't use it, you can give it to another child. You can even make yourself the beneficiary if you want to go back to school. You may still want to have separate accounts though so you can invest depending on the child's age and when they will need the cash. Many plans have age-based funds that adjust as the child gets closer to school.
 
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