FAFSA SAI / EFC Estimator

Simplified FAFSA Student Aid Index (formerly EFC) estimate.

Inputs

Result

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How to use this calculator

  • Enter parent + student income/assets.
  • Family size + number in college.

About this calculator

FAFSA Student Aid Index (formerly EFC) determines need-based aid. Lower SAI = more aid. Approximation only — actual FAFSA uses dozens of inputs (age, marital status, retirement contributions, dependents). Use IRS Data Retrieval Tool when filing actual FAFSA. SAI < $0 (negative): max Pell Grant ~$7400. SAI < $7395: partial Pell. Above: institutional aid only. Source: U.S. Department of Education FAFSA documentation.

Frequently asked

EFC vs. SAI?+
Same concept. FAFSA Simplification Act renamed in 2024. SAI can go negative; EFC was floored at 0.
Pell Grant eligibility?+
SAI ≤ $0 → max Pell ($7395 in 2024-25). Phases out as SAI increases up to ~$7395.
Asset protection allowance?+
Mostly eliminated in FAFSA simplification. Now: most parental assets count.
Excluded assets?+
Primary residence, retirement accounts (401k/IRA), small business if family-owned. Cash + investments + 529s count.
When to file?+
Opens Oct 1 (sometimes delayed). File ASAP — many state + institutional grants have early deadlines.

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