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📈 Career & return · CAL-R06
Return-to-India scenario
Years to clear a foreign-currency loan on an Indian salary, at a rate you enter.
ScenarioWhat would happen under the conditions you chose — not a prediction.for families
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Education ROINet benefit of a degree over the years ahead under conservative, base and optimistic incomes you enter.Break-even timelineThe year the extra income you expect has paid back the total investment.Opportunity costAfter-tax earnings given up while studying instead of working.Required salaryThe gross salary that covers your EMI, living and a surplus after tax.Delayed employment impactExtra funding needed if the job search runs longer than planned.Offer comparisonRank admission offers on net cost, prospects and risk with weights you set.NPV comparisonNet present value of a stream of yearly cash flows at a discount rate you set.