Finance-First Analysis
Education ROI Calculator
Model the financial return of studying abroad. NPV, payback period, and 10-year salary projections — powered by 2025 salary data from US BLS, UK ONS, Statistics Canada, and more.
Scenario Inputs
Per year, applied across program length
Default: $60.0k (median United States grad in Other / Mixed)
Tuition / yr$38.0k
Living / yr$17.0k
Investment Verdict
Excellent ROI
Strong financial case for this investment.
Total Cost
$110.0k
tuition + living
Payback
2.0 years
Break-even Year 2
10-yr NPV
$425.2k
6% discount rate
Total ROI
+575%
Over 10 years
5-Year Earnings
$331.5k
10-Year Earnings
$742.4k
10-Year Salary Projection
USD per yearY1
$60.0k
Y2
$63.0k
Break-evenY3
$66.2k
Y4
$69.5k
Y5
$72.9k
Y6
$75.8k
Y7
$78.9k
Y8
$82.0k
Y9
$85.3k
Y10
$88.7k
Projections use median starting salaries from 2025 government sources, applied with major-specific growth rates. NPV uses 6% discount rate. Real outcomes vary by program quality, location, visa status, and individual performance — this tool models a reasonable expected case, not a guarantee.