Is it worth it? Do the maths.
Your course cost against what you can actually put aside — not your gross salary.
Your numbers
Every figure is yours to change
An indicative early-career range for the whole field in this country, from official graduate-outcome data — not a figure for any specific programme or university, and not a guarantee. Use it as a starting point, then set your own expected salary above.
Source: , . Market job-board data — less official than a government survey; treat as indicative.
This source publishes a per- figure, so it is shown for reference only — enter your own expected annual salary above.
Assuming a -year course at about a year (typical tuition + living for ) = . A UK or Irish taught master's is usually 12 months; the US and Canada usually run two years — set the length and the total to whatever your offer says. You have typed your own total, so the figure used above is yours, not this estimate.
Borrowing of this at % p.a. over years, after a -year moratorium (course + -year grace) on which simple interest capitalises, means an EMI of about a month and repaid in all — more than the sticker cost. That total repaid, plus any cash you pay yourself (), is what the payback and return below are measured against — not the sticker. Check it in the EMI calculator →
Leave this at zero and the result assumes you would have earned nothing at home — so it is a best case, not a forecast. Put your realistic Indian salary in for the comparison that matters.
Five years isn't long enough to clear this cost. On these numbers the course breaks even at about , and everything you put aside after that is ahead of where you would have been. Most degrees look like this — the question is whether the payback period is one you can live with, not whether year five is positive.
On these numbers it doesn't pay back. What you would save abroad is no more than what you would save staying in India, so there is no surplus to recover the course cost from. That is a real answer, not an error — change the salary, living cost or destination and see what moves it.
This compares what you would save abroad against what you would save at home — gross salary is not money you keep, so a calculator that subtracts course cost from five years of gross pay flatters the answer badly. Tax rates, rent and salaries vary by city, employer and visa status; every figure here is yours to change. A counsellor can build this around your actual offer.
Exchange rates as of 18 Aug 2026 (30 days ago) — European Central Bank reference rates (AED via open.er-api.com), mid-market. Course cost, salary and living cost are converted from the local currency at that rate. Your bank's remittance rate will be worse than mid-market, and currencies move a percent or two a month, so use these for planning rather than as the amount you will actually pay.
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