Career & Growth · Free tool
College Affordability Calculator
Calculate if you can afford a college. See annual gap, 4-year debt projection, and post-grad monthly payment vs entry salary in seconds free online.
Updated June 2026
AffordabilityStretch
Annual funding gap
$12,000
4-year total gap
$48,000
Monthly loan payment (10-yr @ 6%)
$533
Total repaid over 10 years
$63,948
Payment consumes 11.6% of entry-level monthly salary. Keep below 10% for comfort’s sake.
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What it does
Sticker price × 4 years — minus aid — equals loan debt. And that post-grad payment eats 15-45% of an entry-level salary. Run the numbers before committing.
Embed this tool on your siteShow snippetHide
Paste this snippet into any page. Loads on-demand (lazy), no tracking scripts, and sized to most dashboards. Replace the height to fit your layout.
<iframe src="https://freetoolarena.com/embed/college-affordability-calculator" width="100%" height="720" frameborder="0" loading="lazy" title="College Affordability Calculator" style="border:1px solid #e2e8f0;border-radius:12px;max-width:720px;"></iframe>How to use it
- Enter cost + contribution.
- Enter scholarships.
- Read affordability tier.
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