Student Aid Index (SAI) Calculator

Estimate what the federal government expects your family to contribute toward college before you file your FAFSA.

SAI replaces the old EFCCan be negative (−$1,500 min)2026-27 formula tables

This is an estimate using the 2026-27 federal SAI formula. Your actual SAI may differ based on information verified through the IRS Data Retrieval Tool when you file your FAFSA.

The Student Aid Index (SAI) is the number that determines your federal financial aid eligibility. It replaced the Expected Family Contribution (EFC) starting with the 2024-25 FAFSA. Use this calculator to estimate your SAI using the 2026-27 federal formula, completely free and private.

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Your SAI estimate will appear here

Work through the four short steps on the left. The calculation happens entirely in your browser, and your raw tax and asset inputs never leave your device.

Source: federal Student Aid Index guidance for award year 2026-27. CollegeLens does not send your raw income, tax, or asset inputs to our servers.