Students and majors

Grad School ROI Calculator

Is a master's degree worth it? Compare grad school with staying in your job, including lost salary and loans, and see when it pays off. Free, no sign-up.

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Grad school ROI calculator

Is a master's degree worth it for you?

Compare grad school with staying in your job. See the true cost, including the salary you give up, and when the higher pay makes it back. Example numbers are filled in, so replace them with your own.

Keep working
$
Go to grad school
$
$
Studying part-time? Enter what you'll still earn, and add years of study.
$
Loans and assumptions

Your result

Enter both salaries to see the result.
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Will the job still be there?

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How this is calculated
  • The cost of grad school includes the salary you give up while studying full-time, which is often bigger than tuition.
  • All figures are before tax and in today's money. Works in any currency.
  • Salaries grow by the same rate on both paths. Study costs paid with loans are repaid over 10 years after you finish; interest while you study isn't included.
  • AI exposure is the average brigenai AI risk score of the jobs a major or trade usually leads to.
  • This is a planning estimate, not financial advice. Scholarships, taxes and living costs can change the result a lot.
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