Doctor (undergrad + med school) Four years of undergrad then four years of medical school (~$75k/yr), with a residency-pay dip before attending and partner income — heavy loans, high eventual earnings.

Customize

2033–2036

Undergraduate · In-state public university

age 18–21

2037–2040

Medical school · MD program

age 22–25

2083

Roth + brokerage at age 68

$29,499,742

Total cost of attending

$712,366

compound inflation

529 after graduation

left in the fund

Rolled into Roth IRA

lifetime cap $35,000

Roth IRA at 68

+ $0 still in 529

Brokerage at 68

$28,286,111

leftover drawn down · $0 lost to tax + penalty

Borrowed (student loans)

$597,997

+ $385,680 interest · paid off at age 30

Starting salary

$378,147

at graduation · 4.0%/yr raises + partner/owner stages

Lifetime saved & invested

$13,429,054

after 28.0% tax + 50.0% spending & loans

Ownership equity at 68

$1,213,631

partner + practice-owner stake

Net worth at 68

$29,499,742

assets + equity − loans

Year by year

Phase	Year	Age	Cost	529 End	Brokerage	Salary	Loan	Net worth
Accumulation	2026	11		$10,000				$10,000
Accumulation	2027	12		$16,885				$16,885
Accumulation	2028	13		$24,232				$24,232
Accumulation	2029	14		$32,070				$32,070
Accumulation	2030	15		$40,433				$40,433
Accumulation	2031	16		$49,357				$49,357
Accumulation	2032	17		$58,878				$58,878
Undergraduate · In-state public university	2033	18	$41,791	$27,245				$27,245
Undergraduate · In-state public university	2034	19	$43,880	$0			$8,595	$-8,595
Undergraduate · In-state public university	2035	20	$46,074	$0			$49,141	$-49,141
Undergraduate · In-state public university	2036	21	$48,378	$0			$95,235	$-95,235
Medical school · MD program	2037	22	$123,487	$0			$220,175	$-220,175
Medical school · MD program	2038	23	$129,661	$0			$363,593	$-363,593
Medical school · MD program	2039	24	$136,144	$0			$527,715	$-527,715
Medical school · MD program	2040	25	$142,951	$0			$715,019	$-715,019
Post-grad (529 → Roth) · Resident	2041	26		$0		$98,318	$686,058	$-686,058
Post-grad (529 → Roth) · Resident	2042	27		$0		$102,251	$649,236	$-649,236
Post-grad (529 → Roth) · Resident	2043	28		$0		$106,341	$603,470	$-603,470
Post-grad (529 → Roth) · Attending	2044	29		$0		$425,364	$232,780	$-232,780
Post-grad (529 → Roth) · Attending	2045	30		$0		$442,379		$0
Post-grad (529 → Roth) · Attending	2046	31		$0		$460,074		$0
Post-grad (529 → Roth) · Attending	2047	32		$0	$104,000	$478,477		$104,000
Post-grad (529 → Roth) · Attending	2048	33		$0	$217,481	$497,616		$217,481
Post-grad (529 → Roth) · Attending	2049	34		$0	$341,094	$517,521		$341,094
Post-grad (529 → Roth) · Senior attending	2050	35		$0	$475,530	$699,688		$475,530
Post-grad (529 → Roth) · Senior attending	2051	36		$0	$658,024	$727,676		$658,024
Post-grad (529 → Roth) · Senior attending	2052	37		$0	$856,181	$756,783		$856,181
Post-grad (529 → Roth) · Senior attending	2053	38		$0	$1,071,056	$787,054		$1,071,056
Post-grad (529 → Roth) · Senior attending	2054	39		$0	$1,303,767	$818,536		$1,303,767
Post-grad (529 → Roth) · Senior attending	2055	40		$0	$1,555,501	$851,278		$1,555,501
Post-grad (529 → Roth) · Practice partner	2056	41		$0	$1,827,515	$1,089,635		$3,041,146
Post-grad (529 → Roth) · Practice partner	2057	42		$0	$2,167,326	$1,133,221		$3,380,958
Post-grad (529 → Roth) · Practice partner	2058	43		$0	$2,534,376	$1,178,550		$3,748,007
Post-grad (529 → Roth) · Practice partner	2059	44		$0	$2,930,451	$1,225,692		$4,144,082
Post-grad (529 → Roth) · Practice partner	2060	45		$0	$3,357,446	$1,274,719		$4,571,078
Post-grad (529 → Roth) · Practice partner	2061	46		$0	$3,817,370	$1,325,708		$5,031,002
Post-grad (529 → Roth) · Practice partner	2062	47		$0	$4,312,351	$1,378,736		$5,525,982
Post-grad (529 → Roth) · Practice partner	2063	48		$0	$4,844,643	$1,433,886		$6,058,274
Post-grad (529 → Roth) · Practice partner	2064	49		$0	$5,416,634	$1,491,241		$6,630,266
Post-grad (529 → Roth) · Practice partner	2065	50		$0	$6,030,855	$1,550,891		$7,244,487
Post-grad (529 → Roth) · Practice partner	2066	51		$0	$6,689,985	$1,612,927		$7,903,616
Post-grad (529 → Roth) · Practice partner	2067	52		$0	$7,396,860	$1,677,444		$8,610,491
Post-grad (529 → Roth) · Practice partner	2068	53		$0	$8,154,484	$1,744,541		$9,368,115
Post-grad (529 → Roth) · Practice partner	2069	54		$0	$8,966,037	$1,814,323		$10,179,668
Post-grad (529 → Roth) · Practice partner	2070	55		$0	$9,834,884	$1,886,896		$11,048,516
Post-grad (529 → Roth) · Practice partner	2071	56		$0	$10,764,589	$1,962,372		$11,978,220
Post-grad (529 → Roth) · Practice partner	2072	57		$0	$11,758,921	$2,040,867		$12,972,552
Post-grad (529 → Roth) · Practice partner	2073	58		$0	$12,821,868	$2,122,501		$14,035,499
Post-grad (529 → Roth) · Practice partner	2074	59		$0	$13,957,651	$2,207,402		$15,171,283
Post-grad (529 → Roth) · Practice partner	2075	60		$0	$15,170,735	$2,295,698		$16,384,366
Post-grad (529 → Roth) · Practice partner	2076	61		$0	$16,465,842	$2,387,525		$17,679,473
Post-grad (529 → Roth) · Practice partner	2077	62		$0	$17,847,967	$2,483,026		$19,061,598
Post-grad (529 → Roth) · Practice partner	2078	63		$0	$19,322,391	$2,582,348		$20,536,023
Post-grad (529 → Roth) · Practice partner	2079	64		$0	$20,894,702	$2,685,641		$22,108,333
Post-grad (529 → Roth) · Practice partner	2080	65		$0	$22,570,805	$2,793,067		$23,784,436
Post-grad (529 → Roth) · Practice partner	2081	66		$0	$24,356,944	$2,904,790		$25,570,575
Post-grad (529 → Roth) · Practice partner	2082	67		$0	$26,259,720	$3,020,981		$27,473,351
Post-grad (529 → Roth) · Practice partner	2083	68		$0	$28,286,111	$3,141,821		$29,499,742