Free tool · no signup

Homeschool Cost Calculator

Real curriculum costs, your state's ESA/grant ceiling, and how that stacks up against a THSF subscription. No email needed — just the math.

~1 minute·Annual cost estimate + funding offset + THSF comparison

Wondering how much homeschooling really costs? This free calculator estimates your family's annual homeschool budget — curriculum, supplies, add-ons — and shows how your state's ESA or grant funding offsets the total. We also show what a THSF subscription adds (planning, compliance, curriculum matching) so you can see the whole picture in one place.

How many kids are you homeschooling?

kid

Curriculum costs scale with each child. ESA/grant amounts may multiply too.

Your state (optional — unlocks funding offset)

We use this only to match your state's ESA + grant programs. Nothing is stored.

Curriculum approach

Budget — $55/subject/year

Free & low-cost options: Khan Academy, library books, community resources

Mid-range — $110/subject/year

Structured programs: Saxon Math, Singapore, IEW, CLE — the popular middle ground

Premium — $150/subject/year

Full-service curricula: Classical Conversations, Teaching Textbooks, boxed all-in-one sets

Based on real cost data from our curriculum catalog. Covers 5 core subjects.

Add-ons (what else are you planning?)

Co-op participation

~$600/year — membership fees, shared supplies

Extracurriculars

~$1,200/year — sports, music lessons, art classes

Educational tech & software

~$300/year — subscriptions, device amortization

These are rough estimates — actual costs vary by family, grade level, and whether you buy new or used. Curriculum bands are anchored to real prices from our catalog, updated as new programs are added. Funding amounts are from state program data as of 2025–2026.

Your estimate · updates as you adjust

Annual cost breakdown

Curriculum (5 subjects × 1 kid)$550

Supplies & misc$200

Gross annual total$750

~$63/month

State funding offset

Pick your state above to see what ESAs, grants, and tax credits are available — many cover $1,000–$8,000+ per kid.

The Homeschool Factory

Solo plan$9/mo

For the one-kid homeschool. Full access — every agent, every feature, every state.

Or $79/yr billed yearly (~30% off)

1 student
Two full parent accounts, no extra cost
Every subject agent
State portfolio + transcripts

See all THSF plans Compare curriculum costs See funding in your state

Go deeper

More free resources for your homeschool journey:

Compare curricula See all subject tutors Look up your state laws