It couldn't be simpler to use Smarter Graduate to navigate the finances, costs and benefits of getting a college degree. 


Download the app to your phone. There are apps for iPhone and Android phones. We're also working on a website version of the tool, so bear with us while we make that happen. 



Once you have the app, enter all of the information you know about your current income (or income that you think you'll make without this college degree), and enter what you think you will make with the degree.

Also enter your current age, desired retirement age, and any additional information you can provide.


Hit "Go!", and Smarter Graduate will display your analysis. You can always go back and change your inputs to compare different scenarios, and play with how much in student loans you should take out in order to break even the quickest after graduation.

What's next?

We're working on new features including


  •  A website tool so you don't have to use the mobile app.

  •  Analysis for investments and investment opportunity cost of college. 

  •  Pre-populated future incomes based on your career choices.

  •  Compare different degrees side-by-side

  •  Specific analysis for professional degrees (like medical school, for which we have to account for years of residency and residency salary).

Once you're a paid Smarter Graduate member, you'll never have to pay again for future features. The app will be updated to include everything.

If there are specific features you'd like to see, please send us your suggestions at

Download the Mobile App Now.

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