Example report · Australia · All amounts in AUD
A fictional family, for illustration. These school names, children and figures are fabricated examples, not real school fees or a personal recommendation.
Your personal school fee report
Your family
education plan
Prepared for
Avery, Jordan and Taylor
School pathways, projected fees and a plan for saving.
01 / Your options
Compare your school plans
Open the details in each plan to explore the yearly costs, children and savings options.
Plan 1
Lowest example totalHarbour Grammar
3 children · 2027–2042
- Family fee total
- $784,970
- Suggested savings
- $875 / week
- $3,790 monthly equivalent
Saving starts in 2026.
Includes $67,780 in example sibling discounts.
- Biggest annual bill · 2039
- $83,300
Costs in each school year
Annual and running totals are independently rounded to the nearest $1,000, as in the original example. Rounded rows may not add up to the family total.
| Year | Annual | Running total |
|---|---|---|
| 2027 | $13k | $13k |
| 2028 | $26k | $40k |
| 2029 | $27k | $67k |
| 2030 | $41k | $108k |
| 2031 | $42k | $150k |
| 2032 | $44k | $194k |
| 2033 | $46k | $240k |
| 2034 | $53k | $292k |
| 2035 | $59k | $352k |
| 2036 | $62k | $414k |
| 2037 | $73k | $487k |
| 2038 | $80k | $567k |
| 2039Peak | $83k | $650k |
| 2040 | $64k | $714k |
| 2041 | $35k | $749k |
| 2042 | $36k | $785k |
Children and school pathways
Avery
$269,050Harbour Grammar (sample) (R-12)
Starts in 2027
Jordan
$255,440Harbour Grammar (sample) (R-12)
Starts in 2028
Taylor
$260,480Harbour Grammar (sample) (R-12)
Starts in 2030
Compare savings start dates
Starting later can change both regular savings and the amount needed upfront.
Start in 2026
Base plan$875 / week
Total contributions: $727,667
Start in 2027
1 year later$944 / week
Plus $13,300 upfront
Total contributions: $749,511
Start in 2028
2 years later$997 / week
Plus $39,615 upfront
Total contributions: $765,234
Start in 2029
3 years later$1,057 / week
Plus $67,070 upfront
Total contributions: $781,561
Start in 2031
5 years later$1,141 / week
Plus $149,960 upfront
Total contributions: $802,635
Plan 2
$103,205 moreHarbour to Rivergum senior
3 children · 2027–2042
- Family fee total
- $888,175
- Suggested savings
- $954 / week
- $4,133 monthly equivalent
Saving starts in 2026.
Includes $54,775 in example sibling discounts.
- Biggest annual bill · 2039
- $107,355
Costs in each school year
Annual and running totals are independently rounded to the nearest $1,000, as in the original example. Rounded rows may not add up to the family total.
| Year | Annual | Running total |
|---|---|---|
| 2027 | $13k | $13k |
| 2028 | $26k | $40k |
| 2029 | $27k | $67k |
| 2030 | $41k | $108k |
| 2031 | $42k | $150k |
| 2032 | $44k | $194k |
| 2033 | $46k | $240k |
| 2034 | $53k | $292k |
| 2035 | $59k | $352k |
| 2036 | $62k | $414k |
| 2037 | $87k | $500k |
| 2038 | $103k | $603k |
| 2039Peak | $107k | $711k |
| 2040 | $84k | $794k |
| 2041 | $46k | $840k |
| 2042 | $48k | $888k |
Children and school pathways
Avery
$296,550Harbour Grammar (sample) (R-9) -> Rivergum College (sample) (10-12)
Starts in 2027
Jordan
$285,450Harbour Grammar (sample) (R-9) -> Rivergum College (sample) (10-12)
Starts in 2028
Taylor
$306,175Harbour Grammar (sample) (R-9) -> Rivergum College (sample) (10-12)
Starts in 2030
Compare savings start dates
Starting later can change both regular savings and the amount needed upfront.
Start in 2026
Base plan$954 / week
Total contributions: $793,470
Start in 2027
1 year later$1,032 / week
Plus $13,300 upfront
Total contributions: $818,042
Start in 2028
2 years later$1,095 / week
Plus $39,615 upfront
Total contributions: $836,673
Start in 2029
3 years later$1,167 / week
Plus $67,070 upfront
Total contributions: $856,158
Start in 2031
5 years later$1,284 / week
Plus $149,960 upfront
Total contributions: $884,551
Plan 3
$206,440 moreRivergum College
3 children · 2027–2042
- Family fee total
- $991,410
- Suggested savings
- $1,093 / week
- $4,735 monthly equivalent
Saving starts in 2026.
Includes $84,990 in example sibling discounts.
- Biggest annual bill · 2039
- $108,185
Costs in each school year
Annual and running totals are independently rounded to the nearest $1,000, as in the original example. Rounded rows may not add up to the family total.
| Year | Annual | Running total |
|---|---|---|
| 2027 | $16k | $16k |
| 2028 | $31k | $47k |
| 2029 | $33k | $80k |
| 2030 | $49k | $129k |
| 2031 | $51k | $181k |
| 2032 | $54k | $234k |
| 2033 | $56k | $291k |
| 2034 | $65k | $356k |
| 2035 | $75k | $431k |
| 2036 | $78k | $509k |
| 2037 | $94k | $602k |
| 2038 | $103k | $706k |
| 2039Peak | $108k | $814k |
| 2040 | $84k | $897k |
| 2041 | $46k | $943k |
| 2042 | $48k | $991k |
Children and school pathways
Avery
$336,950Rivergum College (sample) (R-12)
Starts in 2027
Jordan
$321,915Rivergum College (sample) (R-12)
Starts in 2028
Taylor
$332,545Rivergum College (sample) (R-12)
Starts in 2030
Compare savings start dates
Starting later can change both regular savings and the amount needed upfront.
Start in 2026
Base plan$1,093 / week
Total contributions: $909,193
Start in 2027
1 year later$1,181 / week
Plus $15,800 upfront
Total contributions: $937,003
Start in 2028
2 years later$1,250 / week
Plus $47,245 upfront
Total contributions: $957,551
Start in 2029
3 years later$1,329 / week
Plus $80,210 upfront
Total contributions: $978,878
Start in 2031
5 years later$1,446 / week
Plus $180,515 upfront
Total contributions: $1,007,736
Suggested savings are a budgeting guide, not a payment due. They estimate what to set aside each period; any upfront amount appears separately in the savings options. Monthly equivalents and total contributions may differ from multiplying the rounded weekly amounts shown.
02 / The busiest years
When are the biggest bills?
Compare the highest annual school fee bill in each plan. The bars use the same scale.
03 / Behind the numbers
Understand the estimates
Savings assume a 5.5% annual investment return. Returns are not guaranteed, and the amount you need to save can change.
This SchoolCost Australia sample uses fabricated school names and example figures for demonstration only. Annual and cumulative values are independently rounded to the nearest $1,000. This savings plan is general information only, not financial advice. School fees, investment returns, inflation, and timing can differ materially from these estimates. Confirm fees directly with each school and speak with a licensed financial adviser before acting.
Keep a copy of this example PDF