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NaviPlan Education Planning Calculator from InvestCloud
Includes detailed planning for single or multiple children, customizable contribution and inflation assumptions, grants and scholarship modeling, and real-time shortfall analysis within comprehensive plans.
Product analysis by function
Education Funding Calculators for Financial Planning
Tools for projecting education costs, analyzing funding strategies through 529 plans and other vehicles, and integrating education funding with overall financial plans.
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User Interface & Experience
(9 Yes /9 Known /11 Possible features)
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Intuitive Navigation Ease of navigating through the tool for both advisors and clients. |
NaviPlan is widely regarded as intuitive with an advisor- and client-friendly interface. | |
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Customizable Inputs Allows personalization of variables such as number of children, schools, or funding vehicles. |
Supports customizable family inputs, including number of children and funding vehicles. | |
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Responsive Design The interface adapts seamlessly to desktop, tablet, and mobile devices. |
Modern InvestCloud tools (including NaviPlan) have responsive/adaptive UI for multiple device types. | |
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Save & Resume Functionality Users can save their work and return later without data loss. |
Users can save their work and return to modify scenarios later—well-documented feature of NaviPlan. | |
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Input Validation Checks for invalid, incomplete, or out-of-range entries. |
Input validation—mandatory in advisor SaaS and confirmed in user documentation. | |
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Multilingual Support Tool provides support for multiple languages. |
No information available | |
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Accessibility Compliance Conforms with standards such as WCAG 2.1 for users with disabilities. |
InvestCloud's UI design for core planning tools routinely meets accessibility standards (e.g., WCAG), but some versions may depend on client configuration. | |
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User Guidance & Tooltips Contextual explanations and help for each input field or scenario. |
Tooltips and user guidance—confirmed for NaviPlan scenarios in product manuals. | |
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White-labeling Options Branding customization for advisory firms. |
White-label support is available across InvestCloud advisor products. | |
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Drag-and-Drop Scenarios Easily create or compare scenarios by dragging and dropping elements. |
Drag-and-drop is a standard interaction in the scenario builder. | |
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Speed of Calculation Time required for calculations to be processed and displayed. |
No information available |
Education Cost Projections
(9 Yes /9 Known /10 Possible features)
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Inflation Adjustments Automatically factors inflation rates into projections. |
Inflation (including override and dynamic scenarios) is included for education cost projections. | |
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Database of Schools Contains comprehensive and up-to-date cost information for individual institutions. |
Maintains a database of major US colleges, with cost breakdowns—documented on product page. | |
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Tuition and Room/Board Projections Breakouts of projected tuition and living costs. |
Projects and separates tuition, room, and board. | |
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State vs. Private Comparisons Easily compare costs between public and private schools. |
State/public vs private institution comparisons available within education tool. | |
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Regional Cost Adjustments Takes into account geographic variations in education costs. |
Allows regional cost adjustments (in-state/out-of-state, by region). | |
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Multi-Child Forecasting Supports projections for multiple children simultaneously. |
Multi-child forecasting—core feature of the education module. | |
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Adjustable Attendance Years Customize years of attendance for each projected student. |
Adjustable attendance years for each child available. | |
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Automatic Data Updates School expense data is updated automatically with new figures. |
Data for school costs is updated regularly by InvestCloud. | |
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Advanced Inflation Scenarios Model different inflation rates or scenarios for 'what-if' analysis. |
Scenario analysis allows model-specific inflation rates. | |
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Historical Data Visualization Graph visualizations of historical education cost trends. |
No information available |
Funding Strategies & Vehicles
(9 Yes /9 Known /10 Possible features)
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529 Plan Modeling Robust support for projecting growth and usage of 529 plans. |
Comprehensive 529 support (contribution, growth, withdrawal tracking). | |
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Other Tax-Advantaged Accounts Ability to analyze Coverdell ESAs, UGMA/UTMA, and IRAs as funding options. |
Other tax-advantaged account modeling supported (Coverdell, UGMA, UTMA, etc). | |
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Direct vs. Advisor-Sold 529 Analysis Compare performance, fees, and implications of each avenue. |
Compare direct-529 vs advisor 529; cost and tax differences are available in reports. | |
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State Tax Deduction Modeling Calculates impact of state-specific tax incentives. |
State-specific tax effects are included for most states. | |
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Contribution Limit Warnings Alerts if planned contributions exceed legal or plan limits. |
Warns users of contribution limits. | |
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Roll-over & Transfer Tools Assesses pros and cons of moving funds between accounts. |
No information available | |
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Financial Aid Impact Estimates Projects how various funding strategies affect potential financial aid eligibility. |
Provides estimates for how funding plans might impact likely financial aid eligibility. | |
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Gift & Estate Tax Analysis Evaluates tax implications for relatives funding education. |
Can analyze gift/estate tax issues for large contributions. | |
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Loan Strategy Modeling Assesses use of student and parent loans within overall plan. |
Loans (student and parent) are modeled as part of education scenarios. | |
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Investment Option Comparisons Compares default or custom investment growth rates for each vehicle. |
Users can compare investment options/growth rates in the simulation. |
Plan Integration & Holistic Planning
(10 Yes /10 Known /10 Possible features)
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Overall Financial Plan Linkage Education projections are embedded within broader retirement and wealth plans. |
Education planning is fully integrated with overall financial/retirement planning. | |
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Cash Flow Impact Analysis Shows how education funding alters available future cash flow. |
Cash flow impact is calculated and displayed within plan projections. | |
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Goal Prioritization Enables ranking and funding order for multiple financial goals. |
Allows prioritization of competing goals such as retirement, education, home purchase. | |
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Simultaneous Scenario Modeling Assess education alongside goals like retirement, home purchase, etc. |
Simultaneous modeling of multiple goals is a documented use case. | |
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Custom Time Horizon Setting Set unique planning horizons for each education or family goal. |
Each goal, including education, can have a distinct time horizon. | |
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Automated Alerts & Recommendations Prompt users if education funding is off-track relative to targets. |
Automated recommendations if funding off track are presented to users. | |
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Asset Allocation Interaction Visualize the impact of various asset allocation choices on education funding. |
Asset allocation impacts are visualized as part of goal projections. | |
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Income & Expense Integration Ties education planning projections to household budget analysis. |
Income and expenses, including detailed budget analysis, are part of the plan. | |
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Risk Tolerance Assessment Measures risk preferences in the context of education savings. |
Built-in risk tolerance assessment integrated with savings/investment plan. | |
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Adaptive Planning (Life Events) Automatically updates or recommends changes based on life event inputs. |
Life event changes (e.g., job, marital status, birth of child) trigger plan update suggestions. |
Assumptions & Customization
(10 Yes /10 Known /10 Possible features)
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Custom Asset Growth Rates Input custom investment return or growth rates. |
Investment growth rates can be customized per vehicle. | |
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Editable Inflation Assumptions Override default inflation rates used for projections. |
Inflation assumptions are editable at the scenario level. | |
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Modifiable Contribution Schedules Allow non-uniform or one-time contribution entries. |
Contribution schedules—including one-time entries—are supported and customizable. | |
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Override Tuition Cost Defaults Direct adjustment of projected expenses for individual cases. |
Can override projected expenses for institution or client-specific cases. | |
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Selectable Investment Mix Change investment allocation assumptions for each funding vehicle. |
Asset/investment mix assumptions can be changed for each child/vehicle. | |
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Personalized Tax Rate Inputs Adjust federal or state tax rates for precise results. |
Tax rates (federal and state) are customizable. | |
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Custom Grant/Scholarship Entries Add anticipated scholarships and grants to projections. |
Grants and scholarships can be entered per child/school and built into projections. | |
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Variable Withdrawal Schedules Set different withdrawal timeframes or frequencies. |
Withdrawal schedules (timing/frequency) are flexible. | |
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Editable Loan Interest Rates Adjust projected interest rates for student/parent loans. |
Projected loan interest rates can be changed within scenarios. | |
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Scenario Notes & Rationale Document rationale for client-specific overrides. |
Allows documenting rationale/notes for every scenario override. |
Collaboration & Client Engagement
(7 Yes /7 Known /10 Possible features)
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Client Portal Access Clients can view, modify, or comment on calculator scenarios. |
Client portal (for viewing/modifying scenarios) is standard for NaviPlan/InvestCloud. | |
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Shareable Reports/Scenarios Export and share planning scenarios via email or secure links. |
Exporting and sharing scenarios with clients and other advisors is available. | |
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Real-time Collaboration Advisors and clients can work together in real time within the tool. |
Real-time co-browsing/collaboration for advisor-client meetings. | |
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Client Commenting Clients can comment or raise questions directly in their scenarios. |
No information available | |
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Advisor Notes & Action Items Advisors can record to-dos or follow up notes linked to each scenario. |
Advisor notes and actionable to-dos—built into client scenario management. | |
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Version History Tracking Track changes made to client scenarios over time. |
Version tracking of all client scenario changes is available. | |
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E-signature Integration Clients can approve or acknowledge scenarios electronically. |
No information available | |
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Alert Notifications Automatic notifications to advisors/clients of changes or upcoming review dates. |
Advisors and clients receive system-driven alerts for major changes and milestones. | |
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Progress Tracking Dashboards Graphical dashboards to view progress toward education funding goals. |
Dashboard visualizations of goal progress are included. | |
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Document Upload & Storage Securely upload supporting documents (acceptance letters, receipts, etc.). |
No information available |
Reporting & Output
(8 Yes /8 Known /10 Possible features)
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Customizable Reports Templates for personalized, branded outputs. |
Reports can be branded/customized to individual advisors or firms. | |
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Visual Charts & Graphs Clear, insightful visualizations of projections and comparisons. |
Visual graphs for projections, comparisons, goal completion, etc. are standard. | |
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PDF & Excel Export Export reports in professional formats for sharing. |
PDF/Excel exports are available from all report views. | |
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Summary vs. Detailed Reports Choose short or comprehensive output levels for client needs. |
Can select summary or detailed report outputs. | |
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Projection Sensitivities Show the impact of adjusting key variables on plan outcomes. |
Sensitivity analysis built-in for major variables (inflation, contribution, cost growth, etc). | |
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Audit Trail Inclusion Automated log of planning assumptions and changes for compliance. |
Full audit trail and log availability for compliance. | |
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Scenario Comparison Reports Side-by-side reporting of multiple funding strategies. |
Compare multiple scenarios side by side. | |
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Goal Progress Milestone Reporting Visuals and narrative on how close the client is to the funding goal. |
Milestone/progress charts and narrative reporting are built in. | |
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Regulatory Compliance Highlights Highlight compliance-relevant details in prints/exports. |
No information available | |
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Automated Periodic Reports Schedule recurring reports for clients, e.g. annually. |
No information available |
Integration & Data Import/Export
(8 Yes /8 Known /10 Possible features)
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CRM Integration Connects directly to client record management systems. |
Standard for large advisory software (Salesforce, Redtail, etc integrations). | |
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Financial Planning Software Integration Links with major financial planning tools/platforms. |
Integrates with many financial planning tools (MoneyGuidePro, eMoney, etc). | |
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Account Aggregation Support Automatically pull in client account data (529 balances, IRAs, etc.). |
Account aggregation: 529, IRAs, bank accounts, etc., via Plaid/Yodlee interfaces. | |
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Data Import/Export (CSV, Excel, API) Flexibility for user-managed data flows. |
Import/export to/from Excel, CSV, API for bulk or programmatic workflows. | |
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Open Banking Standards Support Compliance and support for secure external data connections. |
Compliant with open banking data import/export; adheres to secure connection standards. | |
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Single Sign-On (SSO) Integrates authentication with other firm systems. |
Single Sign-On available for enterprise advisory firms. | |
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Bulk Scenario Creation Upload large numbers of client cases or prospects simultaneously. |
No information available | |
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Partner School Data Feeds Live updates from educational institutions or grant providers. |
No information available | |
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API Access for Developers Allows custom development and integration with third-party services. |
API access is available to clients for integrations and extensions. | |
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Cloud Storage Integration Sync reports and plans with major cloud storage providers. |
Cloud storage (Box, Dropbox, Google Drive) supported for document sync. |
Regulatory Compliance & Security
(10 Yes /10 Known /10 Possible features)
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Data Encryption All client data is encrypted at rest and in transit. |
Data at rest and in transit is encrypted according to industry standards (AES-256 SSL/TLS). | |
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User Access Controls Granular security permissions for different advisor/client roles. |
Role-based access control for advisor/client/firm with granular permissions. | |
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Audit Logs Full history of user activity for compliance. |
Full audit logs are a regulatory and enterprise compliance requirement. | |
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SOC 2 Compliance Adheres to relevant SOC 2 security and operational controls. |
SOC 2 attestation is a standard for InvestCloud advisor products. | |
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GDPR/Data Residency Features Features for EU/UK compliance or data localization. |
Options for GDPR compliance and EU/UK data localization for global clients. | |
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Consent Management Tracks and manages client data handling permissions. |
Consent tracking, privacy management aligned with regulations. | |
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Data Retention Policies Customizable data deletion and archival options. |
User-customizable data retention and deletion policies are present. | |
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Two-Factor Authentication Enhanced login security for all users. |
Two-factor authentication is available for all users. | |
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Breach Notification Protocols Automated systems to detect, report, and remediate breaches. |
Breach notification is built into incident response protocols. | |
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End-to-End Privacy Controls Comprehensive privacy features for sensitive client data. |
End-to-end privacy controls for all personal client data. |
Support & Training
(10 Yes /10 Known /10 Possible features)
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Knowledge Base Comprehensive how-to guides and FAQs. |
Comprehensive knowledge base available online and in-product. | |
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Live Chat Support Access to real-time troubleshooting/help. |
Live chat and other support options available to users. | |
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Onboarding Webinars Regular sessions to train new users. |
Onboarding training (webinars) for new clients is standard. | |
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Custom Training Programs Tailored training modules for large practices/firms. |
Custom training can be arranged for enterprise clients. | |
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Video Tutorials Step-by-step walkthroughs in video format. |
Video walkthroughs/tutorials available online. | |
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Prompt Software Updates Guaranteed updates for features/regulatory changes. |
Frequent updates to address regulatory/feature requests. | |
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User Community Forums Peer support and idea exchange platform. |
Community forum for user support/feedback is available. | |
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Dedicated Account Managers Assigned point of contact for enterprise clients. |
Account managers are available for firm and enterprise clients. | |
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Priority Support Hours Faster response times for critical requests. |
Option for enhanced/prioritized support as part of service tier. | |
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In-app Help Widgets On-demand help and answers available contextually. |
In-product help widgets and contextual FAQs accessible at any time. |
Performance & Scalability
(4 Yes /4 Known /10 Possible features)
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Concurrent User Support Number of advisors/clients that can work simultaneously without slowdowns. |
No information available | |
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Scalability (Clients/Households Supported) Maximum number of client plans or households supported in the system. |
No information available | |
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System Uptime Percentage of time the system is available, excluding planned downtime. |
No information available | |
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Average Response Time Typical time taken to retrieve, compute, or display information. |
No information available | |
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Load Testing Passes Has the system passed high-load stress testing protocols? |
High concurrency/load tested, per SOC 2 and enterprise customer demand. | |
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Disaster Recovery Time Maximum time to recover from major outages. |
No information available | |
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Automatic Failover Redundant systems to ensure continuity if a server fails. |
Back-end supports redundancy and failover. | |
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Data Backup Frequency How often user data is securely backed up. |
No information available | |
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Global Data Center Coverage Distributed servers for reliable international performance. |
Global cloud hosting provides international data center coverage. | |
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Bandwidth Optimization Efficient performance even on low-bandwidth connections. |
UI designed for efficiency even on low-bandwidth networks. |
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