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FAFSA SAI 計算機 2027-28（Student Aid Index）.

FSA 公式の計算式 A・B・C で 2027–28 年度の Student Aid Index（SAI）と Pell 奨学金の受給資格を試算し、各行を表示します。

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Student status

You are independent if, for example, you were born before January 1, 2004, are married, a graduate student, a veteran, on active duty, support a child or other dependent, or were in foster care. Otherwise you are dependent.

Parents’ marital status

Family size (household size)

The student, the parents, and other children or people the parents support (as they could claim on a tax return).

State of residence

Parent 1: 2025 tax filing status

Parents’ 2025 income and assets

Adjusted gross income (AGI, Form 1040 line 11; combined if married) ($)

Federal income tax paid (Form 1040 line 22 minus Schedule 2 line 2; combined) ($)

Parent 1: income earned from work (wages, net self-employment) ($)

Parent 2: income earned from work ($)

Child support received in the last complete calendar year ($)

Cash, savings and checking accounts (today) ($)

Net worth of investments (not the home you live in; 529 plans count) ($)

Net worth of businesses and/or farms ($)

More income items (optional)

Untaxed additions: deductible IRA/Keogh payments, tax-exempt interest, untaxed IRA and pension distributions minus rollovers ($)

Foreign earned income exclusion (Form 2555) ($)

Offsets: taxable grants and scholarships, education credits, Federal Work-Study ($)

Student’s own 2025 income and assets

Student AGI ($)

Student federal income tax paid ($)

Student income earned from work ($)

Student cash, savings and checking ($)

Student net worth of investments ($)

Student net worth of businesses and/or farms ($)

More income items (optional)

Untaxed additions: deductible IRA/Keogh payments, tax-exempt interest, untaxed IRA and pension distributions minus rollovers ($)

Foreign earned income exclusion (Form 2555) ($)

Offsets: taxable grants and scholarships, education credits, Federal Work-Study ($)

Pell Grant amounts for 2027–28

Maximum Pell Grant (dollars) ($)

Minimum Pell Grant (dollars) ($)

Not in the guide and not yet announced by Federal Student Aid. Leave blank, or enter the amounts once they are published, to see a partial or minimum Pell result.

Estimated Student Aid Index (SAI)1,384Formula A — dependent student

Pell GrantPell result depends on the 2027–28 award amountsYou meet the minimum-Pell income test (AGI at most 275 % of the poverty guideline, $88,413). With the 2027–28 amounts: partial Pell if the SAI is at most the maximum minus the minimum award, otherwise minimum Pell if the SAI is below twice the maximum.

Formula result before limits: 1,384
AGI + foreign income exclusion: $62,000
2025 poverty guideline for this family: $32,150
Maximum-Pell AGI limit: $56,263
Minimum-Pell AGI limit: $88,413

Unofficial estimate for planning. Your official SAI comes only from the FAFSA form; schools set the final award. Compare with the official Federal Student Aid Estimator on studentaid.gov. Federal Student Aid Estimator (studentaid.gov)

Step-by-step worksheet — Formula A — dependent student

Line	Item	Amount
1	Parents’ total income additions (AGI + untaxed items + foreign exclusion)	62,000
2	Parents’ income offsets	0
3	Total parents’ income (may be negative)	62,000
4	Parents’ federal income tax paid	2,100
5a	Payroll tax allowance — Medicare (HI)	899
5b	Payroll tax allowance — Social Security (OASDI)	3,844
6	Income protection allowance (Table A2, family size)	46,590
7	Employment expense allowance (lesser of 35 % of earnings or $5,200)	5,200
8	Total allowances against income	58,633
9	Parents’ available income (may be negative)	3,367
10	Child support received	0
11	Cash, savings and checking	8,000
12	Net worth of investments (0 if negative)	5,000
13	Adjusted net worth of businesses/farms (Table A3)	0
14	Net worth	13,000
15	Asset protection allowance (Table A4: $0 at every age)	0
17	Parents’ contribution from assets (net worth × 12 %)	1,560
18	Parents’ adjusted available income (may be negative)	4,927
19	Parents’ contribution (Table A5) — 0 + 22 % of AAI over 0	1,084
20	Student total income additions	4,000
21	Student income offsets	0
22	Total student income	4,000
23	Student federal income tax paid	0
24a	Student payroll allowance — Medicare (HI)	58
24b	Student payroll allowance — Social Security (OASDI)	248
25	Student income protection allowance	12,220
26	Allowance for parents’ negative adjusted available income	0
27	Total student allowances	12,526
28	Student available income (may be negative)	-8,526
30	Student contribution from income (× 50 %, 0 if negative)	0
31	Student cash, savings and checking	1,500
32	Student investments	0
33	Student adjusted business/farm net worth	0
34	Student net worth	1,500
36	Student contribution from assets (× 20 %)	300
37	Student Aid Index (before the −1,500 floor)	1,384
	Estimated Student Aid Index (SAI)	1,384

Not covered: separate Puerto Rico or territory returns, a parent or spouse with a different spouse on a joint return, provisional independence, professional judgment, Children of Fallen Heroes and Iraq-Afghanistan Service Grant rules, and the asset-reporting exemptions (enter 0 for assets if you are exempt). The guide gives no payroll rule for a contributor who did not file: their earnings use the single limits. Pell eligibility also requires an undergraduate (or eligible teacher-certification or workforce) program; the award amount depends on cost and enrollment.

Source: 2027–28 Student Aid Index (SAI) and Pell Grant Eligibility Guide, Version 1, June 2026 (U.S. Department of Education, Federal Student Aid). Poverty guidelines: Annual Update of the HHS Poverty Guidelines, Federal Register Vol. 90, No. 11, January 17, 2025, pp. 5917–5918 (checked 2026-10-17).

2027–28 年度の SAI を試算する方法

区分を選びます：扶養学生（親の情報を使用）または独立学生（扶養家族の有無）。
婚姻状況、世帯人数、居住州を入力します（アラスカとハワイは独自の貧困ガイドライン）。
2025 課税年度の AGI、連邦所得税の納付額、勤労所得、現金・預金、投資、事業や農場の純資産を入力します。

公式ガイドの計算例をテストとして組み込んでいます：7 人家族の扶養学生、親の AGI 166,332 ドルで SAI は 12,198 となり、全行がガイドと一致します。費用計画には貯蓄目標計算機が便利です。

計算式 A・B・C と Pell 奨学金

計算式 A は扶養学生、B は扶養家族のいない独立学生、C は扶養家族のいる独立学生に使います。SAI は −1,500 から 999,999 までです。

2025 年の税務申告がない場合、AGI が 2025 年貧困ガイドラインの 175 %（ひとり親は 225 %）以下の場合、または SAI が 0 以下の場合に Pell 奨学金の最大額の対象になります。2027–28 年度の Pell 金額はまだ公表されていません。

制限と対応形式

入力内容はお使いの端末で処理されます。

英語の技術説明

Unofficial estimate: only the FAFSA gives your SAI. The 2027–28 maximum and minimum Pell amounts are not published yet, so partial or minimum Pell needs the amounts entered. No Puerto Rico/territory returns, provisional independence or professional judgment. Nothing is uploaded.

Tables of the FSA “2027–28 SAI and Pell Grant Eligibility Guide” (June 2026): income protection allowances (Tables A2, C2, C3), payroll tax with the 2025 $176,100 Social Security base, business/farm adjustment, asset protection ($0), contribution bands (A5, C6), the −1,500 floor, maximum Pell at 175 %/225 % and minimum Pell at 275–400 % of the 2025 HHS poverty guidelines. Guide rounding (three decimals, then whole dollars).

The guide’s own worked example (dependent student, family of 7, parents’ AGI $166,332, tax $40,326, assets $73,363; student AGI $5,723) gives parents’ contribution $12,198 and an SAI of 12,198, matched line by line.

よくある質問

Student Aid Index（SAI）とは何ですか？

FAFSA が計算する数値で、Pell 奨学金など米国連邦学生支援の受給資格を決めます。範囲は −1,500 から 999,999 です。

2027–28 年度の FAFSA はどの課税年度を使いますか？

2025 課税年度と、Pell の上限に使う 2025 年の HHS 貧困ガイドラインです。

この結果は公式ですか？

いいえ、試算です。公式の SAI は FAFSA でのみ算出されます。入力データはブラウザーの外に送信されません。