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Keeping Our Costs Transparent
The T. Rowe Price College Savings Plan does not charge an annual account fee, or any other miscellaneous fees for investing in the plan. Each portfolio bears its share of the expenses of the underlying mutual funds in which it invests, and there is a 0.05% annualized Trust Fee charged to each portfolio. The trust fee and underlying mutual fund expenses are reflected in each portfolio's unit price.
The tables below detail each portfolio's fees as a percentage of the unit price and the approximate costs over time. For additional information, please refer to the Plan Disclosure Document.
Fee Structure*
| Estimated Underlying Fund Expenses | 0.63% |
| Trust Fee | 0.05% |
| Total Annual Asset-Based Fee | 0.68% |
Estimated Underlying Fund Expenses |
0.63% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.68% |
Estimated Underlying Fund Expenses |
0.62% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.67% |
Estimated Underlying Fund Expenses |
0.62% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.67% |
Estimated Underlying Fund Expenses |
0.61% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.66% |
Estimated Underlying Fund Expenses |
0.53% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.58% |
Estimated Underlying Fund Expenses |
0.41% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.46% |
Estimated Underlying Fund Expenses |
0.40% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.45% |
Estimated Underlying Fund Expenses |
0.62% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.67% |
Estimated Underlying Fund Expenses |
0.63% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.68% |
Estimated Underlying Fund Expenses |
0.63% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.68% |
Estimated Underlying Fund Expenses |
0.37% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.42% |
Estimated Underlying Fund Expenses |
0.30% |
Trust Fee |
0.05% |
Total Annual Asset-Based Fee |
0.35% |
Approximate Cost for a $10,000 Investment*
The following table compares the approximate cost of investing in the T. Rowe Price College Savings Plan over different periods of time. Your actual cost may be higher or lower. The table is based on the following assumptions:
- A $10,000 contribution is invested for the time periods shown.
- A 5% annually compounded rate of return on the amount invested throughout the period.
- The account is distributed at the end of the period shown to pay for qualified expenses.
- The table does not consider the impact of any potential state or federal taxes on the contribution or the distribution.
INVESTMENT OPTIONS |
ONE YEAR |
THREE YEARS |
FIVE YEARS |
TEN YEARS |
|---|---|---|---|---|
Portfolio 2039 |
$69 |
$218 |
$379 |
$847 |
Portfolio 2036 |
$69 |
$218 |
$379 |
$847 |
Portfolio 2033 |
$68 |
$214 |
$373 |
$835 |
Portfolio 2030 |
$68 | $214 | $373 | $835 |
Portfolio 2027 |
$67 | $211 | $368 | $822 |
Portfolio 2024 |
$59 | $186 | $324 | $726 |
Portfolio 2021 |
$47 | $148 | $258 | $579 |
Portfolio for Education Today** |
$46 | $144 | $252 | $567 |
Balanced Portfolio |
$68 | $214 | $373 | $835 |
Equity Portfolio |
$69 | $218 | $379 | $847 |
Fixed Income Portfolio |
$69 | $218 | $379 | $847 |
Money Market Portfolio |
$42 | $132 | $230 | $518 |
Total Equity Market Index Portfolio |
$36 | $113 | $197 | $443 |
Portfolio 2039 |
|
|---|---|
ONE YEAR |
$69 |
THREE YEARS |
$218 |
FIVE YEARS |
$379 |
TEN YEARS |
$847 |
Portfolio 2036 |
|
|---|---|
ONE YEAR |
$69 |
THREE YEARS |
$218 |
FIVE YEARS |
$379 |
TEN YEARS |
$847 |
Portfolio 2033 |
|
|---|---|
ONE YEAR |
$68 |
THREE YEARS |
$214 |
FIVE YEARS |
$373 |
TEN YEARS |
$835 |
Portfolio 2030 |
|
|---|---|
ONE YEAR |
$68 |
THREE YEARS |
$214 |
FIVE YEARS |
$373 |
TEN YEARS |
$835 |
Portfolio 2027 |
|
|---|---|
ONE YEAR |
$67 |
THREE YEARS |
$211 |
FIVE YEARS |
$368 |
TEN YEARS |
$822 |
Portfolio 2024 |
|
|---|---|
ONE YEAR |
$59 |
THREE YEARS |
$186 |
FIVE YEARS |
$324 |
TEN YEARS |
$726 |
Portfolio 2021 |
|
|---|---|
ONE YEAR |
$47 |
THREE YEARS |
$148 |
FIVE YEARS |
$258 |
TEN YEARS |
$579 |
Portfolio for Education Today** |
|
|---|---|
ONE YEAR |
$46 |
THREE YEARS |
$144 |
FIVE YEARS |
$252 |
TEN YEARS |
$567 |
Balanced Portfolio |
|
|---|---|
ONE YEAR |
$68 |
THREE YEARS |
$214 |
FIVE YEARS |
$373 |
TEN YEARS |
$835 |
Equity Portfolio |
|
|---|---|
ONE YEAR |
$69 |
THREE YEARS |
$218 |
FIVE YEARS |
$379 |
TEN YEARS |
$847 |
Fix Income Portfolio |
|
|---|---|
ONE YEAR |
$69 |
THREE YEARS |
$218 |
FIVE YEARS |
$379 |
TEN YEARS |
$847 |
Money Market Portfolio |
|
|---|---|
ONE YEAR |
$42 |
THREE YEARS |
$132 |
FIVE YEARS |
$230 |
TEN YEARS |
$518 |
Total Equity Market Index Portfolio |
|
|---|---|
ONE YEAR |
$36 |
THREE YEARS |
$113 |
FIVE YEARS |
$197 |
TEN YEARS |
$443 |
*As of June 30, 2020. The Estimated Underlying Fund Expenses are based on the weighted average of each fund's expense ratio, in accordance with the investment option's actual asset among the applicable funds as of June 30, 2020. You can call 866-521-1894 to obtain the most recent weighted average of estimated underlying fund expenses for each investment option. The actual underlying fund expenses and total annual asset-based fees may be higher or lower.
**Portfolio for College was renamed Portfolio for Education Today, effective November 15, 2019.
***The Trust Fee will be waived in whole or in part in the event that the portfolio's expenses would result in a negative return for Money Market Portfolio.Frequently Asked Questions
Can I change my selected investment option?
Each time you make a contribution, you may select a different portfolio. You can also make changes to your existing...
Are my distributions taxed?
Distributions used to pay for qualified education expenses are generally exempt from taxes. If a distribution is...