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Student Budget Calculator

(more calculators)

Use this calculator to help analyze your budget as a full-time student. This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

This Financial Calculator requires SUN's Java™ Plug-in. If you see this message you will need to download SUN's Java™ Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing "Install ActiveX Control".

Get the Java™ Plug-in!

For more information about this Plug-in please visit: SUN's Java™ Plug-in

Definitions

Payment Frequency
Each item in your budget can be schedule to be paid as follows:

Payment frequency	Payment Will Happen
Start of school year	One payment at the start of the school year
Semester 1 & 2	Two payments. One at the beginning of semester 1, the second at the beginning of semester 2.
Semester 2	One payment at the beginning of semester 2.
Monthly of school year	A payment for each month of the school year, September through April

School Expenses
Tuition, textbooks, supplies and related materials, lab fees, library fees, photocopying and other related expenses.

Food and Groceries
Meal plan, groceries, eating out, snacks and other related expenses.

Living Expenses
Residence, electric, cell/pager, Internet, rent, phone, cable, childcare and other living expenses.

Professional Fees
Doctor, dentist, eye care, hair stylist, manicure/pedicure, masseuse/chiropractor, veterinarian, other.

Entertainment and Travel
Going out, movies, movie rental, CD's/DVD's, concerts, travel and other related expenses.

Clothing
Purchases, cleaning, repair and other related expenses.

Loans
Personal, credit cards and other related expenses.

Contributions and Gifts
Charity, church and other related expenses.

Savings and Investments
Savings towards short-term goals, savings towards long-term goals, other savings.

Miscellaneous
Membership dues, postage, health club, Christmas gifts, birthday gifts, any other expenses.

Personal Toiletries
Hair care products (shampoo, etc.), body care products (razors, etc.), facial care products (make-up, etc.), prescription drugs/vitamins and other related expenses.

Transportation
Bus/Subway pass, car payments, gas/oil, licensing, visits home, insurance, maintenance and other related expenses.

Contributions and Income
Scholarships, fellowships/grants, other aid (such as federal loans), available savings, educational savings plans, family contributions, expected wages/tips, other income/assets.

Latest Student Loans Articles

Private vs. Federal student loans
The debate regarding private versus Federal student loans can sometimes be a misunderstood one. Read on for an in-depth explanation of the primary similarities and differences as part of an detailed comparison of the two main education financing choices. Read more

Understanding the Truth in Lending Act
Enacted in 1968, The Truth in Lending Act came into being for the sole purpose of keeping borrowers from falling victim to predatory lenders. The law mandates that lenders are responsible for making sure that consumers are aware of what they are agreeing to when they borrow money. Read more

Private student loans explained
Learn about what you need to know when it comes to understanding private student loans. What exactly are private student loans? What are some of the pitfalls to avoid? And what are some occasions when private student loans are a good choice? Read on for answers to these questions and more. Read more

Understanding the subtleties of student loans
Different types of student loans often have different terms, repayment periods, delinquency issues, loan forgiveness clauses, and/or grace periods. It is important to become familiar with these differences and evaluate the programs available before making a decision about what is best for you. Read more

:: More Student Loans Articles

Latest Student Loans Tips

Student loan consolidation incentives
Did you know that your original student loan lender might offer you better incentives for consolidating your college loans with them? Read more

Don’t stop paying until the ink is dry
Until you receive verification from the student loan consolidation lenders, you are still required to make all payments on your student loans. Read more

:: More Student Loans Tips

Student Loans FAQs

:: More Student Loans FAQs

Note: This information is for general use only. Use this information as part of a full research process. General financial advice does not always apply directly to individual financial matters. Please consult a financial expert with specific and complex questions about your individual situation.

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