The Full Cost of Private School

Every year of fees from your child's current grade to Grade 12, with increases compounded — and what to save each month to meet them.

⚠️

Ksh 6,328,871

is what twelve years of a mid-tier private day school costs a family starting at Grade 1 — against Ksh 4,002,000 if you multiply this year’s fee by the years left. That gap is fee increases compounding, and it is the part that ambushes people.

Computed by JiPange from a published day fee, escalated at 8% a year

🎓

Ksh 35,218/mo

funds every term of it from next January onward, without borrowing. Knowing the number early is what makes it a decision rather than an emergency each January.

Computed by JiPange — MMF rate anchored to the CBK 91-day bill

Child 1

Name (optional)Current level

Fees this year, per year

Annual fee increase8%/yr

Kenyan private schools are widely reported to raise fees 5–15% a year. This is an assumption, not a measurement— check your own school's last three invoices and set it to what they actually did.

My school front-loads Term 1 (≈50% / 30% / 20%)Add four years of university after Grade 12

Already saved toward school fees (Ksh)

Ksh

Household take-home pay per month (optional)

📖 How this works — 30-second tutorial

Add each child and pick their current level — the plan starts from the year they are in now, not from the next transition.
Enter this year's fee for their actual school. The buttons are published figures from named schools, there to be replaced by your invoice.
Set the fee-increase slider to what your school has actually done. Over fourteen years this matters more than the return you earn.
Read the total, then the monthly figure that funds it — and check the peak year, which is when two children overlap and a plan built on averages gives way.