Future Earning Calculator

Estimate Your
Future Earnings

Know the value of your desired STEM Masters course—assess its real return on investment and compare across countries. Considering a different course? Connect with an expert to explore its ROI.
How to Use the Tool?

Your Estimated Savings Over the Years

Salary vs. Increment Chart

This graph shows your estimated annual savings in an abroad country. Depending on your loan amount %, the initial years may show negative savings as you won't be earning. Estimated savings rise over time. The data shown is based on average alumni salaries from your chosen course and college.


How Does Our Future Earnings Estimate Tool Works?

Future Earnings Estimate Tool

GyanDhan's 'Estimate Your Future Earnings' tool is an advanced data-backed tool. This tool, one of its kind, considers opportunity cost along with the actual cost to help students understand the real return on investment. Here is how the tool calculates the results:

Students can use this tool to compare the countries based on the return on investment. Here is a step-by-step guide on how to use this tool:

  • list items 1. The tool considers that -
  • list items You will not have any income during your course.
  • list items You will have to let go of your current salary.
  • list items You will be paying a part of your study abroad expenses (mentioned by you). This part gets zeroed if you are funding your entire expenses through an education loan.
  • list items 2. The tool assumes that -
  • list items You will be placed within 6 months after graduation.
  • list items You will pay your loan within 5 years after graduation.
  • Based on the information provided and an assorted list of data points, the tool tells you the additional savings i.e. how much extra you would be able to save compared to if you would have not opted for abroad education. For Example, in 10 Years, a student would have saved INR 30 Lakhs here in India and now by going abroad is able to save INR 1 Cr, then the additional saving is INR 70 Lakhs.
    It gives you a country-wise graph of the estimated additional savings (based on the target countries you choose). It also provides a country-wise salary vs investment chart. For an in-depth understanding of the mechanism that we use to compute the figures, read the ‘Methodology’ section below.

    The following is the in-depth methodology behind the calculations presented:

  • list items We compute post-graduation average salary for different universities in each rank bucket for each of the four countries in our scope. We've considered a rise of 2.5% in salary every year and 10% in every alternative year for the USA, Canada, Germany, and Australia. The assumption is that you get an increment every year and a promotion every alternate year. The same numbers for India are 7% and 20%. (Indian salary is taken as an input)
  • list items The expenses are averaged for a country (rent, basic utilities, car EMI, fuel, health insurance, etc are considered here). To account for inflation, we have considered a 2% increase per year for the USA, Canada, Germany, and Australia and a 5% increase for India.
  • list items Average investment is the total of the average tuition fee of the universities related to a selected rank range; living expenses are calculated from the above step.
  • list items For every year, for a given country and college group, we calculate:
  • list items (a) net savings in both India and the target country by subtracting the expenses (including loans) from income
  • list items (b) the difference between the two net saving amounts. This gives us incremental savings, which we show in the graph.
  • Sprinkles

    How to Use the Tool?

    Whether you've just graduated or have worked for a few years, this tool can help you understand if you should go for Masters in STEM from an abroad university. If you are going for any other course, you can get in touch with an expert here.

    Students can use this tool to compare the countries based on the return on investment. Here is a step-by-step guide on how to use this tool:

  • list items Step-1: Enter the loan amount percent i.e. the percentage of the study abroad expenses you will be funding with your education loan.
  • list items Step-2: Enter your current annual salary in INR. If you are a student then the expected salary can be used.
  • list items Step-3: Enter the target branch.
  • list items Step-4: Customize your results by selecting the world ranking range of the universities you are targeting, currency, and the target country.
    If you are not sure about the ranking of the university and course you are targeting, Check University Rank to know the university rankings.
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    Study Abroad Journey


    Confused about how abroad education journey looks like?

    Here’s the complete beginners’ guide…

    A quick Glimpse of your journey

    Step 1:


    Things to know before getting started: courses, colleges, funding and more

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    Step 2:


    Things to know for applying to study abroad: cost of study, exams, SOP and more

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    Step 3:


    Things to know while finalising univeristy, networking and scholarships

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    Step 4:


    Things to know about financing your education: loan eligibility, approval and more

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    Step 5:


    Things to know about pre-visa requirements, visa interview and more

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    Prepare To Fly!

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