College Biaya calculator

Cara menggunakan College Biaya calculator

Apa yang dihitung dan kapan digunakan

Totals the cost a degree including rising costs, living costs, dan aid, dan shows the gap against your savings.

Cara menggunakan, langkah demi langkah

1. Enter Tahunan tuition, housing, dan food, dan other costs.
2. Enter tahun study dan when the Mata kuliah starts.
3. Enter the Tahunan Biaya Kenaikan, your savings, dan your Bulanan Penghematan.

Arti setiap input

• Tahunan Biaya Kenaikan – How fast tuition dan living costs grow.
• Grants – Aid you Aksi not repay, per Tahun.

Cara membaca hasil

• Total Biaya after aid – Jumlah Per buah year’s inflated Biaya minus aid.
• Still sampai fund – Biaya minus savings by the Mulai Tanggal.
• Extra Bulanan Penghematan – The Bulanan Jumlah needed sampai Tutup the gap.

Rumus

Year k cost = base cost × (1 + increase)^(start + k − 1). Savings = FV current savings dan monthly deposits at the return. Extra monthly saving = gap ÷ future value 1 per bulan.

Contoh perhitungan

Tuition 12,000, living costs 10,000, dan other costs 2,500 a year, seharga 4 years starting in 8 years with 4% yearly increases cost about 142,384 in total. Saving 200 a month at 5% gives 23,548, leaving 118,836; you would need about 1,009 more per bulan sampai cover it.

Asumsi dan batasan

• All costs rise Pada the same Suku bunga.
• Student Keuangan rules dan Pajak differ by Negara.

Kesalahan umum

• Using today’s prices seharga a Mata kuliah that starts Tahun away.

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