Skip to the planner

Every year of tuition,
for every child.

Pre-school to seminary or college. Add your children by age, pick a scenario, and see the lifetime cost, what to save each month and what loans would cover.

Three scenarios · Inflation and scholarships · Loans for gap year and college

Start

FreeNo accountRuns in your browser

Lifetime education cost

$1,362,769

Save each month

$5,037

Loans planned

$153,820

Saving $5,037 a month for 20 years covers it after borrowing $153,820. The heaviest year is 2042, at $118,486.

Based on Baseline / realistic with 3 children.

Illustration with the planner’s sample family (ages 3, 6 and 14) and baseline assumptions: 4% tuition inflation, 12% scholarship.

Add your children, check the tuition, read the summary.

Add each child once

Stages follow each child’s age. Turn seminary or college on or off per child.

Quick families

Tuition a year

Tuition per year, today’s dollars For the active scenario

Early childhood

Daycare, playgroup, preschool

$

Elementary (K–8)

Yeshiva, cheder, Bais Yaakov

$

High school / Mesivta

Tuition plus expected trips and fees

$

Seminary / Beis Medrash

A year in Israel or out of town

$

College / Parnassah track

University or a trade program

$
Fine-tune Inflation, scholarships, dorm, loans: 7 more inputs
Area presets
% a year
% off
$ /yr
$ /yr
% of eligible
Loan terms
% APR
yrs

Baseline / realistic

Horizon: 20 years (auto)

Lifetime education cost

$1,362,769

First bill: 2026

Saving $5,037 a month for 20 years covers it after borrowing $153,820. The heaviest year is 2042, at $118,486.

Save each month Spread evenly to the last tuition year
$5,037
Loans planned ~$1,859 /mo @ 5% for 12 years
$153,820
years
Auto: 20 years based on youngest child
What if I…
By stageBoarding extras apply to high school, gap year and college
By childWith inflation and the active scenario

Illustration only. Tuition, inflation and scholarships vary by school and year. Loan figures are estimates, not offers.

Same children. Three sets of assumptions.

Each recalculates every child. Choose one to make it your active plan.

How it works.

Using the planner

  • Start with Baseline. Adjust inflation and dorm costs for your area, then check the tuition per stage.
  • Add each child once. Ages drive the timeline. Turn seminary or college on or off per child.
  • Add loans carefully. Set how much of gap year and college you’d borrow and see the monthly payment.
  • Share the numbers. Export a PDF so your spouse, rav or planner works from the same figures.

What’s assumed

  • Stage timing. Preschool from about 3, elementary from 6, high school at 14, gap year at 18, college at 19.
  • Inflation. Applied every year until each bill arrives.
  • Boarding extras. Dorm and travel apply to high school, gap year and college only.
  • Loans. Gap year and college only, repaid after the last tuition year.