yCalculator

Private School Fee Calculator

Last updated: April 2026

Private school cost warning

Fee inflation can compound quickly. This calculator includes annual fee rises, extras, VAT-era fee levels, and the opportunity cost of investing the same money instead.

School fee inputs

School type

Total fees over 7 years

£183,840

Equivalent to £2,189/month over the entire period.

Current year

£23,000

Year 5

£27,310

Final year

£29,802

If invested instead

The £183,840 paid in fees, if invested at 7% per year, would be worth £224,643 at the end of the school period.

VAT on private school fees

Since January 2025, private school fees in the UK are subject to 20% VAT. This has added approximately £3,000-£4,000 to average annual fees. Some schools have absorbed part of this increase.

Bursary note

Most private schools offer means-tested bursaries. Some top schools are essentially free for low-income families. Always contact schools directly about financial assistance.

How private school fees have changed

Private school fees have historically risen faster than general inflation, often by 5-7% per year. Over a full school career, that compounding can make later years significantly more expensive than the starting fee.

VAT on school fees: what you need to know

VAT has changed the affordability calculation for many families. Some schools have passed the full cost on, while others have absorbed part of it or adjusted bursary support.

Alternatives to private school

Grammar schools, outstanding state schools, sixth-form colleges, tutoring, extracurricular support, and moving into a strong catchment area can all be alternatives worth comparing financially.

What does this mean?

This calculator is designed to help you understand the likely number before you make a decision or start an application.

Your result should be checked against official UK guidance, especially if your circumstances include dependants, exemptions, prior leave, or a complex immigration history.

Treat the figure as a planning tool rather than legal advice. Where the answer affects an application deadline or major payment, speak to an authorised adviser.

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