Free tools for the federal scholarship tax credit
Interactive calculators and checkers for the Education Freedom Tax Credit (§25F), for donors, families, and the people running Scholarship Granting Organizations. All free, instant, and private: nothing you enter leaves your browser.
For donors
Tax-credit calculator
Estimate your $1,700 federal scholarship tax credit (§25F), or up to $3,400 for a married couple when each spouse gives, under Treasury's proposed rules. Because the credit is nonrefundable, it can only offset tax you actually owe, so this calculator estimates your federal tax liability first, applies any state tax credit for the gift, and shows how much credit you can use this year and how much carries forward.
Open tool →State opt-in tracker
A live tracker of where all 50 states + DC stand on the federal Education Freedom Tax Credit (§25F): opted in, committed, pending, declined, or vetoed. Pick your state to see what its status means for donors and for students who live there.
Open tool →For families
Scholarship eligibility checker
See whether your family is likely eligible for a §25F scholarship. The federal rule covers households at or below 300% of your area's median gross income, and Treasury's proposed rules add shortcuts for foster children and for families on SNAP, TANF, WIC, Section 8 housing, or SSI.
Open tool →Qualified-expenses checker
Check whether an education expense (tuition, tutoring, curriculum, technology, therapies, and more) can be paid with a §25F scholarship: covered, covered if the school requires or provides it, awaiting Treasury guidance, depends on state law, or not covered, with the reasoning for each.
Open tool →For SGO operators
90/10 compliance calculator
Check whether your Scholarship Granting Organization meets the §25F 90/10 rule under Treasury's proposed regulations. Enter a year's income and the scholarships paid from it to see your scholarship ratio, the 10% left for other uses, and how much more you must pay out by the end of the following year.
Open tool →SGO startup cost estimator
Estimate what it costs and how long it takes to launch a Scholarship Granting Organization: incorporation, the IRS 501(c)(3) application (Form 1023 vs 1023-EZ), charitable-solicitation registration per state, and a registered agent, with a low-to-high range and a realistic timeline.
Open tool →SGO revenue projector
Model your Scholarship Granting Organization's potential: enter your expected number of donors and average donation to project gross funds raised, the at-least-90% that goes to scholarships, the up-to-10% left for operations, and how many students you could fund.
Open tool →Building the organization, not just checking a number?
The whole path from an idea to a listed, credit-eligible Scholarship Granting Organization: 21 steps across 5 stages, 51 guided walkthroughs, your state’s filing specifics, and templates that fill themselves in from your answers. A free account saves the checklist across devices. No paywall.
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Stay updated on opt-in votes, guidance, and deadlines as the January 2027 launch approaches.