Credit Transfer Calculator
Calculate transferable credits, remaining coursework, and cost savings when switching schools.
About this calculator
Transfer credit evaluations rarely accept every credit hour a student brings, which is why Credits Accepted and Credits Earned (Previous) are tracked as two separate numbers here rather than assumed equal. Receiving institutions commonly decline credit for courses graded below a C, remedial or developmental coursework, credits from an unaccredited program, or courses that don't map to an equivalent in the new degree plan -- so a student who earned 60 credits might see only 45 officially accepted, with the rest becoming Credits Lost in Transfer. Those lost credits still cost real tuition dollars at the old school even though they don't count toward the new degree, which is a genuine sunk cost worth being honest about rather than glossing over.
The financial comparison this calculator runs -- Total Spent (what you actually paid across both schools) against Full Degree Cost (No Transfer) (what the same degree would cost entirely at the new school's rate) -- shows the real value of whatever credits DID transfer, even when the transfer evaluation feels disappointing. Semesters Remaining and Years Remaining translate the credit gap into a concrete timeline using your planned course load, which matters for anyone comparing a transfer against staying put or trying a different receiving institution with a more generous evaluation.
Inputs
Results
Credits Remaining
75
How to Use This Calculator
- Enter Credits Earned (Previous) — the total credit hours you completed at your former institution.
- Enter Credits Accepted — the number the new school will officially transfer (check your transfer evaluation letter).
- Set Degree Required Credits (commonly 120 for a bachelor's) to establish how many credits you need in total.
- Enter the Cost per Credit at both the new and old school to calculate Money Saved by Transfer.
- Set Credits per Semester to see how many semesters and years remain until graduation.
- Review Credits Lost in Transfer and Full Degree Cost (No Transfer) to understand the true value of transferring.
How the result changes with Degree Required Credits
| Degree Required Credits | Credits Remaining |
|---|---|
| 60 | 15 |
| 90 | 45 |
| 180 | 135 |
| 200 | 155 |
What each input means
- Credits Earned (Previous)
- Total credits earned at your previous institution.
- Credits Accepted
- Number of credits the new school will accept.
- Degree Required Credits
- Total credits required for the degree at the new school.
- Cost per Credit (New School)
- Per-credit tuition at the new institution.
- Cost per Credit (Old School)
- Per-credit tuition you paid at the previous school.
- Credits per Semester
- Planned credit load per semester at the new school.
How this is calculated
Worked example, using the default values
- Identify Input Parameters6 parametersCredits Earned (Previous) = 60, Credits Accepted = 45, Degree Required Credits = 120, Cost per Credit (New School) = 450, Cost per Credit (Old School) = 200, Credits per Semester = 15 = 6 input(s) provided
- Calculate Credits RemainingCredits Remaining75 = 75
- Calculate Transfer Acceptance RateTransfer Acceptance Rate75 = 75%
- Calculate Cost of Remaining CreditsCost of Remaining Credits33750 = $33,750
Engine last updated . Checked against 2 independently-derived tests — how we verify calculators. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.
Frequently Asked Questions
Why would a school reject credits I already earned and paid for?
Receiving institutions typically transfer credit selectively -- common reasons for rejection include a grade below a C in the original course, remedial or developmental coursework that doesn't carry degree credit anywhere, courses from an unaccredited program, or coursework that doesn't map cleanly onto anything in the new degree's requirements. This is normal and worth confirming in writing via a formal transfer credit evaluation before enrolling, since verbal estimates from admissions staff aren't always accurate.
Does Total Spent include the credits that didn't transfer?
Yes -- Total Spent adds what you already paid for ALL your previous credits (Credits Earned (Previous) times the old school's per-credit cost) to what you'll pay for the remaining credits at the new school. That's intentional: tuition for lost credits is still money you spent, even though it doesn't count toward your new degree, and Total Spent is meant to reflect your real total investment, not just the credits that carried forward.
How is Money Saved by Transfer calculated?
It values every accepted credit at the NEW school's per-credit rate -- Credits Accepted times Cost per Credit (New School) -- representing tuition you avoided paying at the new school because those credits already satisfy degree requirements. It's a measure of cost avoided going forward, not a comparison against what you originally paid for those same credits at your old school.
Why doesn't Credits Remaining change when I adjust the old school's cost per credit?
Credits Remaining is purely a credit-hour count -- Degree Required Credits minus Credits Accepted -- with no dollar figure involved at all. Cost per Credit (Old School) only feeds into Total Spent, which reflects what you already paid historically; it has no bearing on how many MORE credits you still need to complete the degree.
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