College Affordability Percentage Calculator

A quick gut-check, not a complete financial picture

This simple ratio offers a fast way to gauge college affordability relative to household income - though it deliberately ignores financial aid, scholarships, existing savings, and other children needing simultaneous support.

Worked example

For a $25,000 annual college cost against $100,000 household income:

Affordability = (25000 / 100000) x 100 = 25.0% of household income (Significant strain relative to income)

Percentage of Income	General Assessment
Under 10%	Generally manageable
10-20%	Notable financial commitment
Above 20%	Significant strain relative to income

Use this as a starting conversation point, not a final verdict - financial aid packages, scholarships, and payment plans can substantially change the real out-of-pocket burden below this raw sticker-price percentage.