Trust Fund Calculator

Calculate the net present value (NPV) of a trust fund to help you value the trust fund for reporting it as an asset on the FAFSA.

Trust Fund Information

Basic Information

Inflation Rate (%)

Trust Fund Current Balance ($)

Years until Expiration of Trust

Interest Rate (%)

Distribution Information

Fraction of Principal Given to Child at Trust Expiration (%)

Fraction of Annual Interest Given to Child (%)

Fixed Amount Given to Child at Trust Expiration ($)

Fixed Annual Amount Given to Child ($)

Calculation Results

Enter trust fund information and click calculate to see results

Important Notes

• Trust funds must be reported as assets on the FAFSA
• This calculator provides an estimate for FAFSA reporting purposes
• Consult with a financial advisor for precise valuations
• Multiple beneficiaries are treated as having equal shares unless specified otherwise

Frequently Asked Questions

Does a trust fund impact the amount of financial aid received?

Yes, any amount in a trust fund must be reported as an asset on the FAFSA and will reduce a student's eligibility for need-based financial aid. This includes grants, federal student loans and student employment.

What types of trusts are reported as an asset on the FAFSA?

These trusts are reported on the FAFSA: Blind Trusts, Charitable Trusts, Crummey Trusts, Insurance Trusts, Living Trusts, Medicaid Trusts, Section 2503(c) Minor's Trusts, Special Needs Trusts and Spendthrift Trusts.

How is the value of a trust fund determined?

If the beneficiary will receive all income and principal, the value is the current value of the trust's assets. If ownership is split, one must calculate the net present value of all future payments from the trust to the beneficiary.