Free · Worldwide 🌍
Free student financial calculator

Figure out what university
will actually cost you.

No jargon, no fluff. Enter your school and we'll show you your total cost, how much debt you'll graduate with, and what your finances will look like after. Takes about 2 minutes.

1
Enter your school
Type a school and program — we'll look up estimated tuition and costs for you.
2
Fill in your situation
Add your living costs, income, and any OSAP or scholarships you expect.
3
See your full picture
Get your debt at graduation, monthly loan payments, and disposable income — then ask the advisor anything.
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All figures are estimates for planning purposes only. Tuition, aid amounts, and salary figures vary by year and individual circumstance. For official numbers, contact your school's financial aid office. This tool is intended for users aged 13 and older. Not financial advice. Ontario OSAP →  |  US Federal Aid →
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Don't know your tuition? We'll look it up

Type your school and program — we'll search the web for current tuition, city living costs, and median graduate salaries so you don't have to hunt for numbers. Takes about 10 seconds.

AI result
1

Which school are you looking at?

Option A
International student
Option B
International student
2

What will your day-to-day cost?

Option A — living costs
Housing
Monthly expenses
Annual expenses
Option B — living costs
Housing
Monthly expenses
Annual expenses
3

Any money coming in while you study?

While studying (applies to both options)
Student aid & loans
I also have scholarships / bursaries
Loan repayment preferences
4

What does life look like after you graduate?

This helps us show whether your take-home pay will actually cover rent, loans, and still leave something left over.

Here's your full picture
Cost breakdown
Your financial timeline
Monthly budget after graduation
Common questions
This calculator uses estimated tuition figures, approximate tax rates, and standard OSAP loan terms. Real numbers will vary based on your specific program, year of study, family income, and province. Use this as a planning guide — always verify final tuition with your school's registrar and OSAP amounts at ontario.ca/osap. The goal is to give you a realistic ballpark, not an exact invoice.
OSAP (Ontario Student Assistance Program) is a mix of grants and loans provided by the Ontario government to help students pay for post-secondary education. Grants don't need to be repaid — loans do. Eligibility is based on your household income, tuition cost, and living situation. Most students from families earning under $175,000/year qualify for something. Apply at ontario.ca/osap — you can apply even before you're accepted to school.
For most students using OSAP, the current rate is prime + 1%, which works out to approximately 6.25% as of 2025. If you have a private student line of credit (through a bank like RBC, TD, or Scotiabank), rates typically range from prime (5.2%) to prime + 2% depending on the bank and your credit history. When in doubt, use 6.25% as a safe estimate.
OSAP loans have a standard repayment period of 10 years after you finish school. You don't start paying until 6 months after you graduate or leave full-time studies. If 10 years feels too tight, you can apply for a longer repayment period through the Repayment Assistance Plan (RAP), which can reduce or pause payments if your income is low.
A grant is free money — you never have to pay it back. A loan is borrowed money that you repay with interest after graduation. OSAP typically gives you a combination of both. The grant portion depends on your family income (lower income = more grant). This calculator treats grants as income (they reduce your debt) and OSAP loans as debt you'll repay after graduation.
Yes — the tuition lookup and cost calculations work for any Canadian school. The student loan section is based on OSAP (Ontario), but the repayment math is similar across provinces. If you're in BC, Alberta, or another province, the interest rates and programs may differ slightly, but the overall debt and repayment estimates will still give you a useful picture.
Ask the advisor
Plain-English answers about your finances
Hi there! Once you run your numbers, I can help you make sense of them — whether that's understanding your debt, figuring out if a school is worth the cost, or just answering questions about student loans in Canada. What's on your mind?
What is OSAP and do I qualify? Is $60k debt too much for a grad? How do I lower my monthly costs? What salary do I need to afford rent + loans?
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