MS Abroad vs India Calculator
Compare doing Master's in USA, UK, Canada, Germany vs India - costs, ROI, career prospects, and settlement probability.
✈️
Rs.55,00,000
Total Cost
Settlement: 70%
GO ABROAD
Excellent opportunity! 70% settlement chance with 450% ROI if you stay abroad.
Salary (If Stay)
Rs.1.25Cr
Abroad annual salary
Salary (If Return)
Rs.30L
India annual salary
ROI (Stay)
450%
If staying abroad
ROI (Return)
180%
If returning to India
Break-even
3y
Time to recover investment
Loan Needed
Rs.45L
Additional funding required
Compare All Countries
Cost Breakdown
ROI Scenarios Compared
How to Use the MS Abroad vs India Calculator
- Select Target Country: Choose from USA, UK, Canada, Germany, Australia, or India for comparison.
- Pick Your Field: Select your field of study - salaries and settlement chances vary significantly by domain.
- University Tier: Choose the university ranking tier you're targeting - costs increase with prestige.
- Expected Scholarship: Enter expected scholarship/assistantship percentage to reduce tuition costs.
- Current Savings: Input your available funds to calculate loan requirements.
- Compare Results: Review total costs, ROI scenarios (stay vs return), and settlement probability.
Understanding MS Abroad ROI for Indians
Is MS in USA Worth Rs.50-80 Lakh?
For CS/tech students planning to stay in USA, ROI is excellent (400-600% over 10 years). However, two major risks:
- H1B Lottery: Only ~30% selection rate after graduation
- Job Market: Tech layoffs make first job harder
- If Returning: ROI drops to 100-200% as Indian salaries are lower
Country Comparison Summary
USA: Highest salaries ($120K+ for CS), but H1B uncertainty. Best for those committed to staying.
Canada: Best settlement path (85%+ PR chance), lower salaries than US but better work-life balance.
Germany: Almost free education (Rs.20-25L total), good PR path, but need to learn German for best opportunities.
UK: Fastest (1-year MS), but settlement harder post-Brexit. Good for those returning to India.
Australia: Middle ground on costs and settlement. Good quality of life.
When India Makes More Sense
- Family constraints preventing long-term abroad stay
- Field with limited abroad job prospects (non-STEM)
- Cannot secure scholarship (paying full fees abroad is risky)
- Already in a good career track in India
- Targeting top Indian institutes (IITs, IISc) with strong placements
The Hidden Costs
- Opportunity Cost: 2 years of India salary forgone (Rs.16-30L for engineers)
- Loan Interest: Education loans at 10-12% add Rs.10-15L over repayment period
- Initial Settlement: First few months abroad without job are expensive
- Mental Health: Loneliness, cultural adjustment - real but often ignored
Frequently Asked Questions
How much does MS in USA cost for Indian students?
MS in USA total cost: Tuition Rs.35-55L (2 years at public/private universities), Living Rs.25-40L, Visa/Travel Rs.2-3L. Total: Rs.60-100L without scholarships. With 25-50% funding, costs reduce to Rs.40-60L.
Which country has the best PR path after MS?
Canada offers the best PR path with PGWP (3-year work permit) and Express Entry system - 85%+ chance for tech grads. Germany follows with 18-month job seeker visa. USA's H1B lottery makes it riskier (30% selection rate).
Is Germany worth it for MS from India?
Germany offers exceptional value: public universities are nearly free (Rs.20-25L total cost including living). Strong PR path and good salaries (EUR 55-70K for tech). Challenge: German language needed for many jobs. Best value-for-money option.
What salary can I expect after MS in USA?
CS/Tech: $100-150K (Rs.85L-1.25Cr). Data Science: $95-130K. Other Engineering: $80-110K. Business/MBA: $100-140K. Salaries vary by location - Bay Area/NYC pay 30-40% more than average.
Should I do MS abroad if I plan to return to India?
Return ROI is lower but still positive. Foreign MS adds Rs.5-15 LPA premium to India salary. Worth it if: you want international exposure, can secure scholarship (>25%), or targeting multinational companies in India.
MS in India vs abroad - which has better ROI?
If staying abroad: MS abroad wins significantly (3-5x ROI). If returning to India: ROI is comparable, with India MS offering faster ROI due to lower costs. Decision depends on settlement plans and risk appetite.