Student Aid Index (SAI) Calculator

Calculate your 2025-2026 Student Aid Index (SAI) quickly with our user-friendly calculator. Estimate your eligibility for need-based financial aid using accurate data from your FAFSA and financial inputs, helping you plan your college funding with confidence.

Student Aid Index (SAI) Formula

Student Status Household Size

Parent Information

Income Additions

Adjusted Gross Income Deductable Payments to IRA/KEOGH/Other Untaxed IRA Distributions and Pension Tax Exempt Interest Income Foreign Income Exclusion

Income Offsets

Education Credits Federal Work Study Taxable College Grant Scholarship Aid

Allowances Against Parent's Income

Tax Filing Status U.S. Income Tax Paid Parent 1 Income Parent 2 Income

Contribution from Assets

Cash, Savings and Checking Accounts Net Worth of Investments Child Support Received in the Last Full Calendar Year Business and/or Farm Net Worth

Student Information

Income Additions

Adjusted Gross Income Deductable Payments to IRA/KEOGH/Other Untaxed IRA Distributions and Pension Tax Exempt Interest Income Foreign Income Exclusion

Income Offsets

Education Credits Federal Work Study College Grant Scholarship Aid

Allowances Against Student's Income

U.S. Income Tax Paid Student Income

Contribution from Assets

Student Cash, Savings and Checking Accounts Net Worth of Investments Child Support Received in the Last Full Calendar Year Business and/or Farm Net Worth

College Navigator Pro's Student Aid Index (SAI) Calculator is based on the formulas provided by the U.S. Department of Education. These calculations are only an estimate and are using the 2025-26 Guidelines.