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Study Abroad · ROI
Study Abroad ROI Calculator
Is studying abroad worth it financially? Compare salary projections, payback periods, and 10-year ROI across destination countries.
Select Countries to Compare (max 3)
1 yr4 yrs
080,000
6,00035,000
Education Loan (India)
🇺🇸 United States
3 yrs OPT (6 yrs STEM) · H-1B → Green Card (6–10 yrs)
📦 Total Investment
Tuition (2 yrs)$70,000
Living costs$36,000
Total (INR equiv.)₹88.0 L
Monthly EMI (₹)₹70,298
💼 Starting Salary (Computer Science / AI / ML)
$118,750
≈ ₹98.6 L / year
Take-home: $89,063 after 25% tax
Payback period1.2 years
10-yr ROI957%
10-yr cumulative (INR)₹9.3 Cr
📈 Salary at Year 5 & 10
Year 5
$144,341
₹1.2 Cr
Year 10
$184,220
₹1.5 Cr
Highest starting salaries globally for tech/finance. H-1B lottery is unpredictable.
🇨🇦 Canada
3 yrs PGWP · Express Entry → PR (2–3 yrs)
📦 Total Investment
Tuition (2 yrs)CAD70,000
Living costsCAD36,000
Total (INR equiv.)₹65.7 L
Monthly EMI (₹)₹70,298
💼 Starting Salary (Computer Science / AI / ML)
CAD81,250
≈ ₹50.4 L / year
Take-home: CAD58,500 after 28% tax
Payback period1.8 years
10-yr ROI563%
10-yr cumulative (INR)₹4.4 Cr
📈 Salary at Year 5 & 10
Year 5
CAD95,051
₹58.9 L
Year 10
CAD115,644
₹71.7 L
Fastest PR pathway. Lower salaries than US but very high quality of life.
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Disclaimer: Salary figures are based on industry averages and may vary significantly by employer, city, role, and individual experience. Exchange rates are approximate. ROI calculations assume consistent employment. This tool is for educational purposes only and should not be used as sole basis for financial decisions.