Free Planning Tool

Plan your US journey
without the financial surprises.

From tuition to ramen nights, get a real, personalized picture of what studying in the US will cost — and the resources to make it work.

Typical annual costs
$35k
Public university tuition
$55k
Private university tuition
$14k
Avg living expenses
$2.5k
Health insurance (avg)
Health insurance is required for F-1 students Compare affordable plans designed for international students at isoa.org
All degree levels
6 major city presets
Export to Excel
Insurance guidance included
Why use this tool
Everything you need to plan ahead

International students face unique financial challenges. This tool is built specifically for you — from visa fees to flights home.

City-based estimates

Cost of living varies wildly. NYC vs. Iowa — we've built presets for 6 major regions so your numbers are real.

Health insurance built in

F-1 students must have health coverage. We include it in every budget and help you find the right plan.

Currency converter

See your budget in your home currency. Helps you communicate costs to your family back home.

Downloadable Excel

Export a full editable budget spreadsheet — share it with your family, advisor, or bank for scholarship applications.

Curated resources

Visa guides, scholarship databases, housing tips, and work authorization info — all in one place.

Emergency buffer

We help you plan for the unexpected. Medical copays, travel delays, tech repairs — build a cushion into every plan.

Health insurance is not optional for F-1 students.

Every international student on an F-1 or J-1 visa is required to maintain health insurance. University-sponsored plans can cost $3,000–$5,000/year. There are better options — affordable plans designed specifically for international students.

F-1 & J-1 compliant From $500/year Covers pre-existing conditions Instant coverage
Compare plans at ISOA
Budget calculator
Calculate your full cost

Adjust every slider to match your situation. Start with a city preset, then fine-tune your numbers.

Quick start — pick your city:
$35,000
International student tuition: $15,000–$65,000/yr. Check your school's international student office for exact rates.
$1,200
$450
$2,000
Required for F-1 students. University plans: $2,500–$5,000. Find a better rate at ISOA →
$120
$200
$800
$350
F-1 visa ($185) + SEVIS ($350) first year; SEVIS only in subsequent years.
$1,200
10%
Recommended 10–15% cushion for medical copays, tech repairs, and unexpected costs.

ESTIMATED ANNUAL TOTAL
including buffer
PER MONTH (average)
over 12 months
See in your currency

Download your personalized budget

Get an editable Excel spreadsheet — perfect for sharing with family, your bank, or scholarship applications.


Resource database
Everything you need in one place

Handpicked guides, official sources, and trusted tools for every stage of your international student journey.

⭐ Health Insurance

ISOA — International Student Insurance

Compare health insurance plans built specifically for international students on F-1 and J-1 visas. Compliant, affordable, and instant coverage.

Visit isoa.org
Visa & Status

DHS Study in the States

Official US government resource for F and M visa students — SEVIS, OPT, CPT, travel, and maintaining status.

studyinthestates.dhs.gov
Scholarships

EducationUSA

US Department of State's official network of advising centers. Find scholarships, funding options, and study in the US guidance.

educationusa.state.gov
Scholarships

InternationalScholarships.com

Searchable database of hundreds of scholarships and grants available to international students studying in the US.

internationalscholarships.com
Housing

Apartments.com

Search rental apartments near your campus. Filter by price, bedrooms, and proximity to your university.

apartments.com
Housing

Off Campus (Student Housing)

Student-focused housing platform. Find roommates, compare lease options, and discover housing near 400+ US campuses.

offcampus.com
Finance & Tax

IRS — International Student Tax

Official IRS guidance on tax obligations for F-1 and J-1 students in the US, including treaty benefits and ITIN applications.

irs.gov
Finance & Tax

Sprintax — Tax Filing for Intl Students

Purpose-built tax software for nonresident international students in the US. File federal and state returns easily.

sprintax.com
Work Authorization

OPT — Work After Graduation

Official USCIS guide to Optional Practical Training. Learn how to apply, timelines, STEM extension, and eligibility rules.

uscis.gov / OPT
Visa & Status

SEVIS Fee Payment

Pay your I-901 SEVIS fee online at FMJfee.com. Required before attending your visa interview. Typically $350.

fmjfee.com
Finance & Tax

Wise (formerly TransferWise)

Send money internationally at real exchange rates. Many international students and families use Wise to fund US studies.

wise.com
Health Insurance

ISOA Student Insurance Blog

Expert articles on international student health insurance, visa coverage requirements, plan comparisons, and cost-saving tips.

isoa.org/blog