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Study abroad cost calculator
Most cost estimates quote tuition and stop there. This one adds living costs, converts the total to rupees, and shows the monthly loan EMI your family would actually carry — because that repayment, not the brochure fee, is what decides whether a plan is affordable.
Total course cost
₹30.6 lakh – ₹53.6 lakh
$32,000–$56,000 over 1 year · tuition + living
Per year: $32,000–$56,000 (₹30,62,080–₹53,58,640)
Indicative loan EMI
₹36,701 – ₹64,227 /month
If 70% is loan-funded, at 11% over 7 years
This is the number most families never see until after they've committed.
United Kingdom: London living costs run well above the rest of the UK.
These are indicative ranges, not a quote. They use widely published cost data, converted at ₹95.69 to the US dollar (18 August 2026), to give you an honest order of magnitude. Your real figure depends on the specific city, university, and scholarships — which is exactly what the full calculator works out.
🔒 Get your city-level figure — free with an account
- • City-level living costs, not country averages
- • How much part-time work can realistically offset, by visa work rights
- • Scholarships you actually qualify for, subtracted from the total
- • A saveable breakdown you can share with your family
What actually goes into the cost of studying abroad
Tuition is usually under half of it. For a two-year US master's, living costs, insurance, and flights routinely add as much again. Comparing destinations on tuition alone is how families end up surprised in year two.
Germany looks cheap on tuition and often is — most public universities charge little or none. But you still fund living costs, and the blocked account requirement means you must show a full year of those funds up front. Low tuition and low cash-flow pressure are not the same thing.
The city matters more than the country. London, Sydney, Toronto and Dublin can swing living costs by 40–50% against the national average. A country-level range is a starting point, not a plan.
Part-time work offsets less than most families assume. Student visas cap working hours (typically around 20/week during term), and that income is usually best treated as covering some living costs — not as a way to fund tuition.
The loan EMI is the real test. A ₹40 lakh loan is an abstraction; a fixed monthly repayment against a realistic starting salary is not. If the EMI only works assuming a top-decile salary, the plan is fragile.
Frequently asked
How much does it cost to study abroad from India?
Broadly ₹18–55 lakh for a full course, depending on destination and length. Germany and the Netherlands sit at the lower end; the US and Singapore at the higher. Use the calculator above for a per-destination range in rupees.
Is an education loan worth it?
It depends entirely on the repayment against a realistic post-study salary, not on the loan size. That is why the EMI is shown above rather than only the total — it is the number that determines whether the plan survives contact with reality. We are not a lender and earn nothing from this calculation.
Are these figures a quote?
No. They are indicative ranges built from widely published cost data, at an assumed exchange rate. They are meant to tell you the order of magnitude honestly and early. Your real number depends on city, university, scholarships, and the rate on the day.