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Education Cost Lab

Blueprint every year of tuition with confidence

Model preschool through seminary and college for all your children. Compare scenarios, layer in loans or scholarships, and download a full PDF roadmap that feels as polished as the Simcha Planner.

Stage-by-stage costs
Multi-child timelines
Loans + scholarships
PDF ready
Start planning

Live Projection

Lifetime tuition obligation

$0

Monthly saving target

$0

Loans planned

$0

Based on the Baseline scenario and your children roster.

Scenario Builder

Control the assumptions

Swap between Lean, Baseline, and Stretch to instantly see impact on every stage.

Quick presets
%/yr
Compounded for each future year
% off
Applied to all tuition before extras
$ /yr
Only added for boarding stages
$ /yr
Visiting home, trips, applications
% of eligible stages
We assume loans are used for gap year & college
% APR
years
Amortized after the last tuition year
Stage baseline (per year)
Edit per scenario

Early childhood

Daycare, playgroup, preschool

$ /yr

Elementary (K-8)

Yeshiva/cheder/Bais Yaakov

$ /yr

High school / Mesivta

Tuition + expected trips/fees

$ /yr

Seminary / Beis Medrash year

Gap-year in Israel or out-of-town

$ /yr

College / Parnassah track

University or trade program

$ /yr

Children & timeline

Add every child once

We map each stage automatically based on age. Toggle seminary/college per child.

Quick templates

Funding Blueprint

Baseline scenario

Live rollup of all children and stages.

Horizon: -- years

Lifetime education cost

$0

First bill: --

Monthly saving target

$0

Spread evenly until final tuition year

Loans planned

$0

at --% for -- years

Saving horizon
years
Auto: based on youngest child timeline
What if I...
Stage distribution Boarding extras apply to HS, gap year, college

Per-child totals

Includes inflation and chosen scenario

Scenario snapshots

See how assumptions move the needle

Each card recalculates all children. Click to make it the active plan.

Game plan

How to use this tool

  • Start with Baseline. Adjust inflation and dorm costs to match your area, then confirm stage baselines.
  • Add every child once. Ages drive the timeline; toggle seminary/college per child as needed.
  • Layer in loans mindfully. Set how much of gap year and college you’ll borrow and see the payment impact.
  • Download and share. Export a PDF for your spouse, rav, or planner so everyone works from the same numbers.

What’s baked in

Assumptions behind the math

  • Stage timing: Preschool starts ~age 3, elementary around 6, HS at 14, gap year at 18, college at 19.
  • Inflation: Applied every year until each tuition bill hits.
  • Boarding extras: Dorm + travel only apply to HS, gap year, and college stages.
  • Loans: Only gap year and college are eligible by default; amortized after the last tuition year.