THEIR FUTURE / SCHOOL YEARS COST PLANNER

Plan beyond the first school bill.

Add fees, uniforms, devices and activities, then allow for future cost increases.

These estimates are a guide, not personal financial or tax advice. Don’t rely on them alone to borrow, invest or change work arrangements. Check your actual rates, entitlements and costs, and get qualified advice when needed.

Make it yours

Example figures are filled in to get you started. Replace them with your own.

First school year: total costs for all included children ($)

Number of years to plan

Assumed annual cost increase (%)

One-off setup costs, additional to annual costs ($)

YOUR ILLUSTRATIVE RESULT

Based only on the values entered and assumptions below.

Total nominal costs across these years

$79,089

First-year monthly amount to budget, including setup

$500

Final-year monthly amount to budget

$594

First year including setup

$6,000

Final year annual costs

$7,129

How this estimate works

First-year annual costs are paid in year one, then increase once per year. Include fees, uniforms, devices, transport, camps and activities for the children covered by this plan. Assumes the same children/cost pattern throughout. No grants, investment returns or tax offsets. Monthly amounts are annual costs divided by 12, not actual bill due dates. This is not a savings plan.

Read the related Moneysmart guidance ↗

Explore the other family calculators →

A clearer picture, not a promise.

All amounts are Australian dollars. Example values are editable illustrations, not typical family costs or quoted rates. Inputs stay in this page’s memory; they are not saved or sent. Refreshing or leaving the calculator clears them. Models reviewed 22 October 2026.