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

Your current salary

Go to grad school

Field of study

Tuition and fees per year

Years of study

Earnings per year while studying

Studying part-time? Enter what you'll still earn, and add years of study.

Salary after the degree

Loans and assumptions

Share of study costs paid with loans (%)

Loan interest rate (%)

Salary growth per year (%)

Compare over

Your result

Enter both salaries to see the result.

Path Simulator

Play out the next 5 years first

Try a study path month by month, with real decisions and surprises along the way.

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Career Pivot

Is there a faster way up?

See careers your current skills carry over to, often without a new degree.

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AI job risk

Will the job still be there?

Check how much of any job AI could take over before you invest in it.

Check AI risk

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.

Guide

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