This inverted level payment calculator is an integrated saving and borrowing calculator that focuses on what really matters to most people: how much they'll pay per month and how much they'll have for college. Think of it as a layaway plan for college that starts several years before matriculation and continues for several years after graduation. In other words, the same monthly payment is used to build savings before college and to repay the debt after college. It yields a complete financial plan for college.

The calculator computes the total amount of money available for college costs based on a single flat percentage of income as the monthly payment for both saving and borrowing, the number of years of savings before matriculation, the number of years in repayment on the loans, the interest rate on savings, the interest rate on debt, current adjusted gross income (AGI) and annual salary growth rate.

See also the following related calculators:

• Inverted Level Payment Calculator (Amount)
• Level Payment Calculator (Amount)
• Level Payment Calculator (Percent of Income)

Percent of Income:
Contribution Frequency:	Weekly Monthly Quarterly Semi-Annually Annually
Adjusted Gross Income (AGI):
Income Growth Rate:
Loan Interest Rate:
Loan Fees:
Years of Repayment (Loan Term):
Savings Interest Rate:
Years to Enrollment (Years of Savings):