Private School vs College Fund Calculator - See the Financial Tradeoff

Private School vs College Fund Tradeoff Calculator Data APIs

Discover how redirecting private K-12 tuition to investments can dramatically grow your child's college fund through compound growth.

📋 Education & Financial Details

👦 Child & School

Child's Current Age

10

Years of Private School Remaining

8 years

Annual Private Tuition ($)

Annual Public School Costs ($)

Fees, activities, tutoring

🎓 College & Investment BLS API

Years Until College

8 years

College Type

Auto-select from popular collegesPublic In-State ($25,000)Public Out-of-State ($40,000)Private University ($55,000)Enter custom amount

Current College Savings ($)

Expected Annual Return (%) Compound API

7.0%

⚙️ Additional Factors Inflation API

Annual Tuition Increase (%)

3.5%

Monthly College Contribution ($)

Number of Children

1 child

Financial Aid Estimate

Household Income ($)

Student GPA (4.0)

Test Score (SAT 400–1600)

📊 Results Comparison

Real Data Analysis

College Cost Data:

Using national averages

Inflation Projection:

Calculating...

Scholarship Estimate:

Calculating...

A

Private K-12 Path

Total K-12 Tuition Paid

$--

College Fund at 18

$--

College Funding Gap

$--

B

Public + Supercharged College

Public School Costs

$--

College Fund at 18

$--

College Cost Covered

--%

C

Hybrid Approach

Some Private + Public

$--

College Fund at 18

$--

Balance Score

--/10

Financial Aid & Scholarship Estimate

Estimated Annual Financial Aid:

$--

Includes grants, scholarships, loans

Scholarship Probability:

--%

💰 Key Insight

Calculating tradeoff insights...

📈 Scenario Analysis

Sensitivity Testing

See how changes affect the tradeoff

Investment Return Variation (±%)

-3%0%+3%

Tuition Increase Variation (±%)

-2%0%+2%

Quick Scenarios

What-If Analysis

ℹ️ How It Works

APIs Integrated

• College Scorecard API: real cost data
• Compound API: advanced financials
• BLS Inflation API: cost projections
• FAFSA calculator: aid estimates

Key Factors

• 1Time until college determines compound growth
• 2Investment returns amplify redirected funds
• 3Tuition inflation increases future costs

Compound Growth Example

$15,000/year redirected for 8 years at 7% → $180k+ (3+ years of college covered)

Financial estimates based on standard assumptions and real data APIs. Actual results may vary. Compatible with Microsoft Edge.

Private School vs College Fund Tradeoff Calculator © 2026 | Data: Dept of Education, BLS