For our analysis, we have taken all the standard factors into account and have made a few standard assumptions too which are as follows:

• The IRR, NPV and profit values shown here are for 10 years after the moratorium period is complete, that is when the loan repayment starts.
• Employees in the U.S, Australia, Germany, and Canada get a 2% increment in their salary. They also get a promotion and a 10% increase in salary every alternate year. In India, employees get a 7% increment every year and a 20% salary increase every alternate year.
• The living expenses (like rent, food, car, utilities, insurance, fuel, etc.) are taken from standard sources and averaged as per each country. Expenses increased by 3% every year in the US, Canada, Germany, and Australia and by 5% in India. 
• Income tax regimes for all countries are accounted for in our calculations.
• The average investments in our calculations are the sum of the average tuition fee for the program of the universities falling under a certain rank bracket and the average off-campus cost of living. 
• In this blog, we have also assumed that 80% of our reader’s education has been funded by education loans, and the remaining 20% was self-funded or paid through scholarships. We have also assumed the loan repayment period to be of 5 years. Our readers can, however, change these parameters on the Estimate Future Earnings tool.
• For a particular country and college group, we have calculated the net savings in India as well as in the target country. This is done by subtracting the expenses (including income tax and loan repayments) from the income. We have then converted the foreign savings into INR and then calculated the difference between the two net savings.
• We have also taken into account the current currency exchange rates of the targeted countries’ currencies and INR and have also considered the expected changes in the forex rates. This has been done by using forward rates for 10 years.

With these assumptions in mind, let us start answering the original question - whether it is worth studying MS in CS abroad if you are earning well in India. For this, let us look at the top five countries one by one. Since there is a large number of colleges in each country, we have clubbed the colleges in four rank groups and will be taking a look at each of the groups for three different salary levels. Scroll down to your salary level to see results for your profile. If your salary level happens to be in between the numbers we’ve taken here, you can either interpolate for an approximate result or use our estimate future earnings tool - for a more accurate picture.  So, without further ado, let us begin.