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School Fees Calculator Australia

Calculate the true total cost of private, Catholic or public schooling over 12 years โ€” including fee escalation, uniforms, excursions, laptops and co-curricular activities.

2025 Australian school fee data | 4โ€“6% annual fee escalation | All extras included | Compare all three school types

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Total Cost Over Remaining School Years
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Total tuition
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Uniforms, excursions & extras
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Average monthly cost

๐Ÿ“Š Year-by-Year Cost Projection

๐Ÿซ Compare All Three School Types (from Year 1)

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Private School Fees in Australia 2025: The True Total Cost

Private school fees in Australia have risen at 4โ€“7% per year for the past decade โ€” consistently outpacing both CPI inflation and wage growth. A child starting at an elite independent school today will cost their parents $500,000โ€“$700,000 in total fees over 13 years. Even mid-range independent schools now cost $300,000โ€“$450,000 over the full period once extras are included.

Annual Fees by School Type 2025

School TypeAnnual Tuition RangeExtras (Uniforms, Excursions etc.)Total per Year
Elite Independent (GPS/AGSV)$30,000โ€“$45,000$5,000โ€“$12,000$35,000โ€“$57,000
Mid-Range Independent$18,000โ€“$28,000$3,500โ€“$8,000$21,500โ€“$36,000
Affordable Independent$10,000โ€“$18,000$2,500โ€“$6,000$12,500โ€“$24,000
Catholic Systemic$4,000โ€“$10,000$1,500โ€“$4,000$5,500โ€“$14,000
Public / State School$0 (free)$500โ€“$2,500$500โ€“$2,500

What the Extras Actually Cost

Tax Deductibility of School Fees

Private school fees are NOT tax-deductible in Australia. However, there are some strategies: education bonds (formerly insurance bonds) allow tax-effective savings; some families use family trusts; and building funds donations to some schools may be tax-deductible. Consult a financial adviser for strategies suited to your situation.

Fee data based on 2025 Australian school market research. Actual fees vary significantly between schools, states and year levels. Contact individual schools for their current fee schedules.

Frequently Asked Questions

How much does private school cost in Australia over 13 years?
Total costs vary enormously by school type. An elite independent school (GPS/AGSV) can cost $500,000โ€“$700,000+ over 13 years (Prep to Year 12) when tuition, uniforms, excursions, co-curricular and laptops are included. A mid-range independent school typically totals $300,000โ€“$450,000. Catholic schools average $80,000โ€“$160,000. Public schools $10,000โ€“$40,000 in out-of-pocket costs.
By how much do Australian private school fees increase each year?
Australian private school fees have historically increased at 4โ€“7% per year โ€” typically 2โ€“3x the rate of CPI inflation. This means fees roughly double every 12โ€“18 years. A school charging $25,000/year today will charge approximately $40,000/year in 12 years at 4% escalation, or $50,000/year at 6%. This compounding escalation is why total 13-year costs are so much higher than people initially expect.
How can I save for private school fees in Australia?
The most common strategies are: regular savings into a high-interest savings account or term deposit; education bonds (investments that earn returns taxed at a lower rate after 10 years); family trust structures for higher-income families; and investing in growth assets (ETFs) over a long time horizon if fees are 5+ years away. Starting early and using compound growth is far more effective than trying to fund fees from current income alone.

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