Student Budget

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 calculator allows you to input your expenses and income for an eight-month school year running from September through April.
By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.
At the end of the year your budget may be $0 short.

Your expenses

Your income and contributions


Payment Frequency

Each item in your budget can be scheduled to be paid as follows:

Payment Frequency Options
Start of school yearOne payment at the start of the school year
Semester 1 & 2Two payments. One at the beginning of semester 1, the second at the beginning of semester 2.
Semester 2One payment at the beginning of semester 2.
Monthly of school yearA 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, mobile phone, 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.


Purchases, cleaning, repair and other related expenses.


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.


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.


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

Contributions and Income

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

Sunmark Federal Credit Union
1187 Troy Schenectady Road
Latham, NY

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.