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2027-28 FAFSA Student Aid Index (SAI) Calculator

\n This SAI calculator is for dependent students. Use values from the parent's and student's 2025 tax returns\n and current values of parent and student assets.\n

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Step 1 of 5

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Enter information about your family

\n Which state do you live in?\n \n

\n What's your family size?\n Enter the number of people in your household, including the student, parents, and their dependents.\n \n \n

\n What's your parents' marital status?\n \n

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Enter parent income information

\n Parents' tax filing status\n \n

\n Parent Taxed Income\n Enter the Adjusted Gross Income (AGI) in 2025 on Form 1040: line 11a.\n \n \n

\n Parent Foreign Income Exclusion\n Enter Foreign earned income exclusion in 2025 on Schedule 1: line 8d.\n \n \n

\n Parent Untaxed Income\n Enter the total untaxed income in 2025 by adding the amounts on Form 1040: line 2a + (Form 1040: line 4a - line 4b) + (Form 1040: line 5a - 5b) + Schedule 1: line 16 + Schedule 1: line 20.\n \n \n

\n Parent Earned Income\n Enter the income earned from work in 2025, add the amounts on Form 1040: line 1z + Schedule 1: lines 3 & 6\n \n \n

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\n Parent Federal Taxes\n Enter the federal taxes paid in 2025 on Form 1040: line 24.\n \n \n

\n Total Parent Income\n —\n

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Enter parent assets

Report current values for each category

\n Parent Checking, Savings, CDs\n Enter the current value of your parent's checking and savings accounts, including CDs.\n \n \n

\n Parent Net Worth of Non-Retirement Investments, including Real Estate\n Enter the current value of your parent's brokerage accounts, college savings or 529 Plans, and equity value of second properties. Do not include equity of the home you live in.\n \n \n

\n Net Worth of Parent Business or Farm\n Enter the value of the business or farm minus debts against that business or farm. If the business or farm employs less than 100 employees, enter 0.\n \n \n

\n Parent Child Support Received\n If divorced and receiving child support, enter the total child support received in 2025.\n \n \n

\n Total Parent Assets and Net Worth\n —\n

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Enter student income and assets

\n Student Income\n Enter student income from wages and investments in 2025, from Form 1040 line 11a. If the student did not file a 2025 tax return, enter 0.\n \n \n

\n Student Assets\n Enter the combined current value of student's checking, savings, brokerage accounts, trusts, UTMA or UTMA accounts. Student 529 Plans are always reported as a Parent Asset.\n \n \n

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Your estimated Student Aid Index

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\n Estimate only. Nothing you type leaves your browser unless you copy a link below — that puts your\n figures in the web address so you can save or share them. Only do that if you're comfortable with\n those numbers appearing in your browser history.\n

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How is your Student Aid Index calculated?

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Step 1 of 1

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First, income sources from your 2025 federal tax return are added together to calculate the Total Parent Income that the FAFSA will consider.

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\n +Parent Taxed Income\n $0\n

\n How this is used\n Parent Taxed Income, or Adjusted Gross Income (AGI), is the primary income used to calculate your contribution from income. AGI plus the Foreign Income Exclusion amount determines eligibility for the maximum and minimum Federal Pell Grant.\n

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\n +Parent Foreign Income Exclusion\n $0\n

\n How this is used\n Parent Foreign Income Exclusion is included in your Total Parent Income. NOTE: Most individuals do not claim Foreign Income Exclusion on their tax returns.\n

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\n +Parent Untaxed Income\n $0\n

\n How this is used\n Parent Untaxed Income reported on your tax return is added to your Taxed Income to calculate Total Parent Income. Untaxed Income from your federal tax return includes: tax exempt interest (1040: line 2a), untaxed IRA distributions (1040: line 4a – line 4b), untaxed pension and annuity income (1040: line 5a – line 5b), untaxed contributions to self-employed SEP, SIMPLE and qualified plans (Schedule 1: line 16), and untaxed contributions to traditional IRAs (Schedule 1: line 20).\n

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\n =Total Parent Income\n $0\n

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Then, Allowances are subtracted from Total Income to come up with Available Parent Income.

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\n -Parent Federal Taxes\n $0\n

\n How this is used\n Federal Taxes paid are subtracted from Total Parent Income.\n

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\n -Payroll Tax Allowance\n $0\n

\n How this is used\n \n

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\n -Income Protection Allowance\n $0\n

\n How this is used\n \n

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\n -Employment Expense Allowance\n $0\n

\n How this is used\n Employment Expense Allowance is an amount of income that is protected to pay for expenses related to being employed, such as commuting.\n

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\n =Available Parent Income\n $0\n

\n How this is used\n This is the Available Parent Income, after Allowances, to pay for college.\n

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Parent assets are totaled to determine parents' net worth available to pay for college.

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\n +Parent Checking & Savings\n $0\n

\n How this is used\n All amounts in checking and savings are reported on the date of filing the FAFSA.\n

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\n +Parent Net Worth of Non-Retirement Investments, including Real Estate\n $0\n

\n How this is used\n All directly held investments, even if the investments are not liquid, are considered available to pay for college. Exceptions include: any amounts in retirement accounts, the value of life insurance policies, HSA accounts, or ABLE accounts. FAFSA never includes your primary home. Also only 529 Plans for the student applicant should be included, not any for siblings.\n

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\n +Net Worth of Parent Business or Farm\n $0\n

\n How this is used\n The net worth of small business owners with less than 100 employees is not included in the evaluation. When a business's net worth is included, it is adjusted and reduced according to a federal formula.\n

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\n +Parent Child Support Received\n $0\n

\n How this is used\n The amount of child support received in a calendar year is treated as an asset.\n

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\n =Total Parent Net Worth\n $0\n

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\n ×Contribution Rate\n 12%\n

\n How this is used\n Twelve percent (12%) of net worth amount is converted to Available Income to calculate your Parent Contribution to the Student Aid Index.\n

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\n =Parent Net Worth included in Available Parent Income\n $0\n

\n How this is used\n This is the portion of your Net Worth that will be used to calculate your Parent Contribution from Assets.\n

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Parent Contribution is calculated using contribution rates for bands of Total Available Parent Income.

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\n +Available Parent Income\n $0\n

\n +Parent Net Worth included in Available Parent Income\n $0\n

\n =Total Parent Available Income\n $0\n

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Parent Contribution is calculated from Total Parent Available Income using a federal bracket table (Table A5).

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If Total Parent Available Income is	Amount × Rate	Contribution from this band
Total Parent Contribution	$0

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Student Income is reduced by allowances to determine Available Student Income, which is assessed at a fixed rate to calculate the Student Contribution.

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Student Income

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\n +Student Income\n $0\n

\n −Payroll Tax Allowance\n $0\n

\n How this is used\n Payroll Tax Allowance is calculated using a formula to approximate your payroll contributions to Medicare and Social Security.\n

\n −Student Income Protection Allowance\n $0\n

\n How this is used\n A fixed amount of student income is protected before any of it is considered available to pay for college.\n

\n =Available Student Income\n $0\n

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\n ×Contribution Rate\n 50%\n

\n How this is used\n The contribution from any available student income is 50%. Given the generous income protection of $12,220, most students do not contribution from their income.\n

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\n =Student Contribution from Income\n $0\n

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Student Assets

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\n +Student Assets\n $0\n

\n How this is used\n Student Assets are the same categories as Parent Assets, with the same protection of any student retirement assets.\n

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\n ×Contribution Rate\n 20%\n

\n How this is used\n Student Assets are assessed at a flat rate, with no protection allowance.\n

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\n =Contribution from Student Assets\n $0\n

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\n =Total Student Contribution\n $0\n

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