College Math Pro · Bedrocka Tools
College math without the enrollment pitch.
Most college cost calculators are run by enrollment consultants, private student-loan lenders, or college savings platforms with a commission on the account. This site is the opposite: every formula is open-source, every assumption cites the primary source (FAFSA EFC formula, IRC §529, IRS Pub 970, College Board annual reports), and every tool is reviewed by a named operator. Built for families navigating student loans, EFC calculation, 529 growth, and scholarship ROI.
Calculators
Pick the college math you actually need.
Learn
Concepts behind the college math.
Student Loans
Federal student loan repayment options compared: standard, IDR, and PSLF
Standard repayment, SAVE, PAYE, IBR, ICR, and PSLF — each plan produces a different total-cost outcome depending on income trajectory. Here's the primary-source comparison.
Savings
529 plan rules explained: contributions, withdrawals, and SECURE 2.0
IRC §529 lets earnings grow tax-free and withdrawals are tax-free for qualified expenses. SECURE 2.0 adds a Roth rollover escape valve — here's how the math works.
What makes this different
Three things every Bedrocka Tools site does that the enrollment consultant mills don't.
Open-source math
Every calculator's formula is published as TypeScript with Vitest tests in a public repo. Click "View source" in any math accordion to see the actual implementation. Most college cost calculators are lead-capture forms for lenders. We publish ours.
Browse the math →Primary-source citations only
Every contribution limit, EFC formula, and repayment threshold links to the original document — FAFSA EFC Formula Guide (Dept. of Education), IRC §529, IRS Pub 970, Higher Education Act §455, College Board Annual Survey of Colleges. No "typical family" hedging. The citation is the proof.
Read the methodology →Named operator, no commission
Reviewed and signed by Byron Malone— operator-author who has modeled college finance decisions for his own family. Not an enrollment consultant. Not a student-loan lender. Nothing here earns a commission tied to the answer the calculator gives you.
Read Byron's bio →Bedrocka Tools family
College Math Pro is part of the Bedrocka Tools portfolio of source-cited calculator sites. For Roth conversion and retirement planning — IRMAA lookback, backdoor Roth, RMD avoidance — visit rothmathpro.com (Roth Math Pro). Same doctrine, different depth. Each site is individually source-cited and quarterly reviewed.
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