NPCs are not accurate in certain situation like divorced parents, self employed or with small business. Also, schools with their own forms or use CSS profile would collect additional information and calculate in their own way. So it is not uncommon if you see all these ups and downs in the actual FA. For simple family like us with just one simple source of income with a single property and no excessive investment or retirement fund, the NPCs for my 2 daughter’s from several need met schools are pretty accurate.