PRIVATE BROWSER-BASED PLANNING TOOL
What will this study route really cost?
Enter the numbers your family is actually considering. This planner separates tuition and living costs from the income you may give up while studying, then shows whether your own surplus assumption produces a payback period.
Education cost and payback planner
Enter your own figures to compare the money exposure of a study route. The tool separates direct spending from the income you may give up while studying.
Private by design: this planner runs in your browser. Nothing is saved or sent. It is a planning model, not a salary or investment prediction.
Formula: direct cost = fees + living cost × study months − aid; opportunity cost = alternative monthly income × study months. Payback uses positive monthly surplus only. It excludes tax, inflation, loan interest, unemployment, family support and changing income.
Use it as a stress test
Run the route three times: with your expected income, a lower starting income and a delayed start. Compare the result with a lower-cost course, a work-first route and the family’s emergency buffer.