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Compare two career paths — with the degree and without it — and see which one leaves you ahead.
Your plan
Estimated net financial gain over 10 years
+₹11.0 L
After ₹2.60 L of education costs and tax, compared with staying on your current path for the same 10 years.
Scenario
Uses your inputs exactly as entered.
Education ROI
421%
Break-even
7 yr
NPV at 8%
+₹3.19 L
How the horizon changes the answer
analysed from todayTotal investment
₹2.60 L
tuition, exam, books, travel and other costs
Salary increase
+₹3.00 L
per year, before tax — ₹7.00 L vs ₹4.00 L today
Recovery period
7 yr
5 yr after the course
Earnings difference · 10y
+₹13.6 L
salary alone, before fees and interest
What you would earn each year on both paths.
The dashed line is the no-degree path. The purple line drops while you study without income, then climbs at the post-degree growth rate. Salaries are after tax.
Shown for context only. It already appears in the year-by-year comparison, so it is never added to the investment a second time.
Amounts earned in each year, after tax
Cumulative net subtracts tuition and other costs as they are paid, plus loan interest, from the salary difference. A negative year during study is expected — it is the price of the switch, not an error.
The numbers favour the degree
You are projected to be ₹11.0 L ahead after 10 years — roughly ₹5.21 back for every ₹1 spent. The full cost is recovered in 7 yr from today.
The PDF includes this chart, every input and the full year-by-year table.
These are projections based on the assumptions above, not a guarantee of salary or employment. Fees are spread evenly across the course, salaries grow once a year, and the target role is weighted by the probability you entered. Real outcomes vary by city, employer and performance.