How it works
Cash cost = coaching + exam fees + tuition × years + one-off costs + living costs × (months preparing + months in the course) − income while preparing − stipend × months in the course.
Economic cost adds the take-home pay you would have earned by working instead, for the same number of months, and removes living costs, which you would pay either way:
fees + one-off costs + (income if working × all months) − income while preparing − stipend
Years to repay = economic cost ÷ (12 × the monthly rise in take-home pay after training). It is a simple payback period: it does not discount future income or assume any investment return.
All amounts are in today’s rupees. Stipends, fees and salaries change; enter the figures for your own institution and plans.
What this cannot tell you
- It does not know your seat, fees or stipend: every figure is yours.
- It does not discount future income, add inflation, or include tax on stipends and salaries.
- It cannot price what training gives beyond money: skills, options, security and the work you want to do.
Every result comes from the formulas above, run in your browser. There is no AI and no server involved, and the same inputs always give the same answer. Figures are educational estimates, not individualised financial advice.