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What does the formula think you can pay?

Four numbers in, one number out: your estimated Student Aid Index — the figure every college starts from when it builds your aid offer.

$180,000
Line 11 of your Form 1040. Married: combined.
$150,000
Cash, brokerage, 529s, rental equity, business value. NOT your 401(k)/IRA, NOT your home (on the FAFSA).
$10,000
Savings, UTMA/UGMA accounts, investments in the student's name.
Note: the number of kids in college at once no longer reduces your SAI — that discount was eliminated.
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Your estimate appears here

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The number is the start,
not the verdict.

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This estimator produces a simplified estimate of the federal Student Aid Index using the 2027–28 federal tables with simplified tax assumptions. Your actual SAI depends on the full federal formula, and CSS Profile schools use their own methodology. This tool is for educational purposes only and does not constitute tax, legal, or financial advice. Consult a qualified professional regarding your specific situation, and confirm current figures at studentaid.gov.