Free Estimator · 2026-27 Formula

Student Aid Index (SAI) Estimator

The SAI replaced the Expected Family Contribution (EFC) in 2023. It's the number colleges use to determine how much need-based aid your family qualifies for. Get an estimate in about 3 minutes.

✓ Based on current federal formula✓ No account required✓ Estimate only — not official

Parent Income

Use figures from your most recent federal tax return (Form 1040).

Parent/guardian situation*

Adjusted Gross Income (AGI)*?

Untaxed income?

Federal income taxes paid*?

Lower-earning spouse's income?

State of residence*

Parent Assets & Family

Exclude retirement accounts (401k, IRA, pensions) and the value of your primary home.

Cash, checking & savings?

Investments?

Other assets?

Older parent's age*?

Household size*?

Student Information

Report your student's own income and assets. Most students have little or none.

Student income (past year)?

Student assets?

Note: Under the 2024 FAFSA Simplification Act, having multiple children in college at the same time no longer automatically reduces your SAI. Each student's FAFSA is calculated independently.

No data is saved unless you choose to email yourself the results.