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Education Financing Calculators

Plan and finance your educational journey with calculators for student loans, education savings, and career ROI analysis.

Tuition Reimbursement Clawback

Compare leaving now and repaying employer tuition assistance with staying through the service commitment using salary, bonuses, vesting, and taxes.

Key Features:

  • Full or prorated clawback
  • Service-period timing
  • After-tax pay comparison
  • Signing bonus and vesting
  • 2026 Section 127 limit

529, Scholarship & AOTC Optimizer

Coordinate college expenses between scholarships, a 529 withdrawal, and the American Opportunity Tax Credit without using the same expense twice.

Key Features:

  • AOTC and 529 allocation optimization
  • Scholarship and grant coordination
  • Form 1099-Q taxable-earnings estimate
  • Transparent no-double-dipping ledger

Student Loan Calculator

Project student-loan repayment, grace-period interest, extra payments, and lump-sum payoff strategies.

Key Features:

  • Standard repayment schedule
  • Subsidized and unsubsidized grace periods
  • Recurring extra payments
  • Lump-sum payoff scenarios

529 Education Savings

Project future education costs and the savings contributions needed to meet them.

Key Features:

  • 529 plan projections
  • Education cost inflation
  • Current savings growth
  • Required contribution analysis

College Cost Calculator

Estimate total college costs including tuition, room & board, and other expenses.

Key Features:

  • Comprehensive cost breakdown
  • Inflation adjustments
  • Custom school-cost assumptions
  • Financial aid and scholarship offsets

Education ROI Calculator

Compare one educational program with a no-program career baseline using incremental earnings, payback, and NPV.

Key Features:

  • Career earning potential
  • Education cost analysis
  • Payback period calculation
  • Lifetime value comparison