免费 · 教育与科学

FAFSA SAI 计算器 2027-28（学生资助指数）.

用 FSA 官方公式 A、B、C 估算 2027–28 学年的学生资助指数（SAI）和 Pell 助学金资格，并逐行显示计算表。

CALCULATED IN YOUR BROWSER

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).

如何估算 2027–28 学年的 SAI

选择身份：受抚养学生（计入父母信息）或独立学生（有或没有受抚养人）。
填写婚姻状况、家庭人数和居住州（阿拉斯加和夏威夷有单独的贫困线）。
输入 2025 纳税年度的数据：AGI、已缴联邦所得税、工作收入、现金和储蓄、投资以及企业或农场净值。

官方指南中的算例已作为测试内置：7 口之家的受抚养学生，父母 AGI 为 166,332 美元，SAI 为 12,198，每一行都与指南一致。规划费用可使用储蓄目标计算器。

公式 A、B、C 与 Pell 助学金

公式 A 适用于受抚养学生，公式 B 适用于没有受抚养人的独立学生，公式 C 适用于有受抚养人的独立学生。SAI 范围为 −1,500 到 999,999。

未提交 2025 年报税表、AGI 不超过 2025 年贫困线的 175 %（单亲为 225 %）或 SAI 小于等于 0 时，可获得最高额 Pell 助学金。2027–28 学年的 Pell 金额尚未公布。

限制与支持格式

输入内容在您的设备上处理。

英语技术说明

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.

常见问题

什么是学生资助指数（SAI）？

它是 FAFSA 表格计算出的数字，用于确定 Pell 助学金等美国联邦学生资助资格，范围为 −1,500 到 999,999。

2027–28 学年的 FAFSA 使用哪个纳税年度？

2025 纳税年度，并使用 2025 年 HHS 贫困线确定 Pell 限额。

这个结果是官方的吗？

不是，仅为估算；官方 SAI 只能由 FAFSA 表格得出。您的数据只保留在浏览器中。