Cost & Return Estimator
Study abroad ROI & loan calculator
Pick your country and program to see what the degree costs, what you can expect to earn after it, and how the loan EMI fits in — all in one place.
Where and what are you studying?
We pre-fill typical costs and starting salaries for your choice. Every number below stays editable.
Cost and earnings
Total program fee for all years combined.
Rent, food, transport and insurance in your city.
MS is usually 2 years, UK master's 1, undergrad 3–4.
Typical first-year package for this country and field, in INR.
Expected yearly raise in your new career.
What you'd earn if you didn't go. Used as the baseline for uplift.
Loan details
Share of your ₹97,00,000 total cost that you'll borrow.
Most Indian education loans sit between 9% and 14%.
How many years you'll pay EMIs after the moratorium ends.
Extra months before EMI begins. Often 6–12 months.
Upfront fee deducted from the disbursed amount.
Your return on investment
3.8 yrs
From course start, incl. study years
+672%
Net gain vs total investment
₹12,53,08,765
Earnings above staying in India
11.8×
First salary vs current salary
Estimated repayment
₹1,02,217
After moratorium
₹64,46,088
Over the full loan life
₹1,22,66,088
Principal + interest
₹65,33,388
Interest + processing fee
This is a projection, not a promise.
Salaries, tuition, exchange rates and lender terms vary by school, city and your profile. Country and program figures are approximate market averages. Use this to compare options and ask sharper questions.
Want a coach to sanity-check these numbers?
We compare schools, countries and lenders by real outcomes, not rankings.
Book a free callHow the math works
Payback period
We count from the day your course starts. Your cumulative salary uplift above your India baseline must cover tuition, living costs, loan interest and fees.
Country and program averages
Starting salaries and costs are approximate market averages converted to INR. Strong schools and roles can beat them; a weak fit can fall short.
EMI and moratorium
EMI uses the standard reducing-balance formula. Interest accrues during your course plus grace period, and most lenders add it to your principal.