EFC Calculator

Use this easy calculator to estimate your EFC (Expected Family Contribution)

Calculate your EFCCollege affordability is important for just about everyone these days, and it's handy to get an idea of how much aid you might be eligible for. Most colleges use the FAFSA (Free Application for Federal Student Aid) to calculate your EFC (Expected Family Contribution). Many colleges, particularly private schools, will take other data into account before determining your actual aid amount, but the federal EFC is usually the starting point.

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College Confidential provides a quick calculator to estimate your EFC. Note that this is an estimate - for important decisions, use ONLY the actual EFC determined by the Department of Education after processing your FAFSA. Because of differences in assumptions and simplification of the calculation process, your final EFC may vary.

Even if you are years away from paying for college, the EFC calculator can be useful - it can give you an idea of how various types of income and assets are valued so you can plan your financial strategies. While the formulas may change from time to time, certain fundamentals are unlikely to change. For example, assets held in the student's name will create a higher EFC than the same amount of assets in a parent's name.

Our EFC calculator is designed to let you change assumptions to see what the impact is on your EFC - after you can complete it and view your EFC, you can return to an earlier page and change one or more input values.

If you have a problem with the calculator, please let us know by clicking here and describing the problem.

EFC Calculator