Tuition Savings Planner
Enter your school fee details below
13%/yr
13%/yr
10%/yr
15.5%/yr
0%
How This Planner Works
Choose Your School Type
Select from federal university, state university, polytechnic, private university, secondary school, or medical school. Each loads 2026-verified typical fee ranges.
Enter Your Total Fee & Deadline
Include tuition, accommodation, levies, and materials. Set how many months until the next payment is due.
Set Your Monthly Savings
Be realistic about what you can set aside each month. Even ₦10,000/month consistently grows significantly with interest on the right platform.
Get Your Full Roadmap
See your milestone calendar, interest projections, platform comparison, and a shareable HD savings plan card to hold yourself accountable.
💡 Nigerian School Fee Realities — 2026
Federal university fees range from ₦200,000–₦500,000/semester for most courses after the 2023–2024 tuition restructuring. Accommodation, levies, and portal charges add another ₦80,000–₦180,000/semester.
Private universities range from ₦500,000 to ₦2.5M per semester in 2026. Medical and Law programmes sit at the highest end (₦1.5M–₦3M). Most saw 20–35% increases between 2024 and 2026.
Payment surprises hit over 40% of families. Surprise levies, hostel fee increases, and portal fees affect students whose parents did not budget a 15–20% buffer above the advertised fee.
PiggyVest SafeLock raised its rate to 13% per annum in 2026. For a 6-month school fee savings plan of ₦350,000, that’s nearly ₦22,000 in interest — enough to cover most portal fee surprises.
Automating savings on salary day is the single most effective habit. Nigerian parents who automate school fee savings miss payment deadlines 4× less frequently than those who save “what is left.”
⚡ Quick-Start Presets — 2026 Fee Ranges
📊 Full Fee Breakdown
All costs included in your savings target
📅 Savings Milestone Calendar
📈 Savings Growth Projection
🏦 Best Savings Platforms for School Fees — 2026
Ranked by interest earned on your specific target and timeline
🔢 What-If Scenarios
How changing your monthly savings changes your timeline
Automate on salary day — not at month end
Transfer your school fee savings the same day salary arrives. Money that stays in your main account gets spent on daily expenses before you realise it. Automation removes willpower from the equation entirely.
Start saving the semester before you need to pay
Nigerian school fees typically become clear 4–8 weeks before the deadline. Starting savings then means you cannot be ready. Begin saving for the next semester the week your current semester fees are paid.
PiggyVest SafeLock raised its rate to 13% in 2026 — ideal for school fees
The SafeLock feature prevents early withdrawal and now pays 13% per annum on locked savings. For school fees — where the deadline is fixed — this is the ideal product. Set the unlock date to exactly match your payment deadline.
Add 15–20% buffer to your savings target
Nigerian universities frequently add “emergency levies,” portal fees, and accommodation cost increases without advance notice. Budget 15–20% above the known fee to create a buffer fund and avoid last-minute payment emergencies.
Scholarship applications close earlier than you think — start 12 months out
MTN, TETFund, Chevening, and state government scholarships are real money. Most require a minimum 3.5 CGPA and applications close 6–9 months before the award date in 2026. Missing the window means missing the money entirely.
