Can Your Family Actually Afford This?
Most calculators tell you a degree costs ₹29 lakh and stop there. This one starts from what your family actually has to find — after part-time earnings, a scholarship you model and an education loan with a real EMI — then shows you the arithmetic behind every rupee. Eight destinations, in rupees, in under 2 minutes.
- 5,000+ Students Guided
- Verified 2026 Fee Data
- Visa & Funds Experts
Germany
First year from
₹13.8 L
Canada
First year from
₹24.9 L
UK
First year from
₹31.7 L
USA
First year from
₹45.1 L
Indicative first-year totals (Master's, before scholarships)
Tell Us Your Plan, Get a Real Number
Pick a destination and adjust the details — the money your family needs, what covers the rest, your loan EMI and the payback period all update instantly. Your estimate is saved in the page link so you can share it or come back to it; the optional family income and savings figures stay in your browser and are never added to that link.
Your Study Plan
United Kingdom · Master's Degree · 1-year · Outside LondonEstimated money needed from your family
₹31.6 L
Typical range ₹20.4 L – ₹42.9 L · across your whole 1-year program
How we got this figure
The headline figure is the midpoint of the estimated range. We don't claim to know which university or city you'll end up at, so we take the centre rather than skewing it. The typical band is the middle half of that same range (25% trimmed off each end) — a narrower way of describing the same numbers, not extra data. The full low-to-high range is shown in the detail card. The full low-to-high estimate for this plan is ₹9.2 L – ₹54.1 L.
The rest — about ₹22.7 L — is covered by
- Part-time earnings while you studyCalculated- ₹22.7 L
- Scholarship you modelledYour estimatenot modelled
- Education loan you modelledYour estimatenot modelled
Scholarships can cut this number
Model an amount below and every figure on this page updates. We are not going to guess what you would win — see the note at the end of this card.
What students target for UK
- CheveningFully funded (UK government)
Listed because this page can cite them, with only the nature of the award each body publishes. Eligibility is decided by the awarding body — nothing here says you qualify, and no amount is attached to your profile.
Model a scholarship Your estimate
A what-if you set yourself. Leave it at “None” for an unfunded estimate.
Why we don't predict your scholarship
A tool that told you “₹2–8 L, chance: high” would be inventing a statistic. AEOC holds no scholarship-eligibility data — no award-size distribution and no applicant-outcome history — so any personalised figure or probability here would be made up, on a decision worth lakhs to your family. What you get instead: real programmes we can cite, a what-if you control, and a counsellor who can check your actual eligibility.
How We Reduced Your Cost
Every step is labelled with where it came from — what this tool calculates from verified rules, and what you modelled yourself.
- Original cost · 1-year program
- ₹31.9 L – ₹76.8 L
- ScholarshipYour estimate
- - ₹0
- Part-time earnings over 1 yearCalculated
- - ₹22.7 L
- Net investment
- ₹9.2 L – ₹54.1 L
- Education loanYour estimate
- - ₹0
- Net family investment
- ₹9.2 L – ₹54.1 L
Solid bar = cheapest scenario, lighter bar = priciest. All bars share one scale — the original 1-year cost — so each step shows the real size of the reduction.
“My father doesn’t have ₹54.4 L”
Most families don’t pay this from savings. Model an education loan and see the monthly EMI — pure arithmetic, no lender involved.
Assumption — edit it. This rate is an editable assumption, not a quote or an offer. Your actual rate depends on the lender, the security offered and your co-applicant's profile — change it to any figure a bank has actually given you.
Repayment tenure
Move the loan amount above zero to see the monthly EMI, the total interest and what it does to the money your family needs up front.
Standard amortisation arithmetic on the figures you entered. AEOC is not a lender and this is not a loan offer, an approval or financial advice — no bank has seen any of this. Real quotes vary with collateral, co-applicant and scheme.
What You Expect to Earn After Graduating
AEOC publishes no graduate-salary figures, so this one is yours to set. Move the slider to what you realistically expect to earn, and the payback below is calculated from that number.
Placeholder position only — this is the middle of the slider, not an AEOC estimate of what you will earn. Drag it to your own expectation.
Share of that salary you could put toward recovering this
Your call — rent, tax and living costs take the rest. We use this instead of your whole salary, because dividing by full pay would pretend every rupee you earn goes back into the degree.
That is ₹10.8 L a year toward the investment.
Time to earn back your net investment
0.8 – 5.0 years
Payback within 5 years
Calculated as net investment ₹9.2 L – ₹54.1 L ÷ ₹10.8 L a year (30% of ₹36.1 L) — based on the placeholder salary above. We measure against net investment, not the smaller family figure — borrowed money still has to be earned back.
A planning ratio, not a repayment schedule. It works off gross pay and does not model income tax, currency movement or loan interest, and it assumes you hold a job at that salary from the day you graduate. Nobody — AEOC included — can promise you a salary or a job.
Can Your Family Afford This?
Enter two figures and we compare them against the numbers above. Optional — the rest of the page works without them.
These two figures never leave your browser. They are not sent to AEOC, not saved, and not added to the shareable link for this estimate. Refresh the page and they are gone.
Take-home, all earners.
What you could actually put in.
Your Plan at a Glance
United Kingdom · Master's Degree · 1-year · Outside London
- Family investment
- Typical ₹20.4 L – ₹42.9 L
- ₹31.6 L
- Scholarship
- Model one above to see the effect
- None modelled
- Expected part-time income
- Calculated over 1 year
- ₹22.7 L
- Loan needed
- Model one above to see the EMI
- None modelled
- Expected first-year salary
- Placeholder — set your own above
- £28,000 (₹36.1 L)
- Payback
- Payback within 5 years
- 0.8 – 5.0 yrs
The payback period looks reasonable
Based on your expected salary. Add your family income above to check the EMI against it too.
What to Do Next
The natural next steps from a cost estimate — each one links to a tool that is actually live on this site.
A dedicated scholarship finder and an online eligibility checker do not exist on this site yet, so we are not linking you to a page that cannot answer the question — a counsellor covers both today.
What You Can Earn While Studying
Most students work part-time. Here is an indicative figure at United Kingdom's 2026 student work rules and wages - it will not fund your visa, but it makes the real number far less scary.
20 hrs/week in term
Full-time allowed on breaks
~£12.71/hr
Indicative student wage
Indicative earning potential over 1 year
₹22.7 L
~£17,616/yr gross · about 1,386 hrs of work a year (~20 hrs/week in term plus up to 40 hrs/week on breaks)
Earnings are indicative and gross (before tax). They assume you find and keep part-time work at the legal limit through the year - many students work less, especially in their first months. You must still show full funds upfront and should never rely on part-time earnings to pay for your studies or visa. Wage basis: UK National Living Wage GBP 12.71/hr (age 21+, from April 2026); 18-20 rate is GBP 10.85.
Where Every Rupee Goes
Six cost heads, each from official 2025-26 figures — nothing hidden in the total. Per-year figures below.
Tuition fees
~£11,000–42,000/yr · Master's Degree
₹14.2 L – ₹54.2 L
Living expenses
~£1,000–1,300/month · Outside London
₹15.5 L – ₹20.1 L
Immigration Health Surcharge
£776/year, mandatory, paid with the visa application — covers NHS access
₹1 L
Visa & registration
One-time · Student visa fee £558 (from 8 April 2026). Immigration Health Surcharge is counted under insurance.
₹72,000
One-way flight
One-time, indicative airfare from India
₹35,000 – ₹65,000
Test-prep coaching
IELTS preparation at AEOC (Nadiad / Vallabh Vidyanagar)
₹15,000
First-year total (gross)
₹31.9 L – ₹76.8 L
Total investment · 1-year program (gross)
₹31.9 L – ₹76.8 L
This is the full low-to-high range before anything reduces it — the headline figure at the top of this page is what remains for your family after the deductions listed above. Central estimate of the gross: ₹54.4 L.
What the visa officer will ask you to show
£1,529/month (London) or £1,171/month (elsewhere) for up to 9 months, plus first-year tuition — held 28 days (as of 2026). Visa fee: £558 · typical processing ~3 weeks.
Note this is a separate test from affordability: a visa officer wants to see funds available up front, and a loan sanction letter is commonly accepted evidence.
The good news: this number is not fixed
Students bring their real outlay down with four levers. We are not going to quote you an average saving — but three of the four are things you can move right now in this calculator, and you will see the total change as you do.
- ScholarshipsModel an amount above
- Part-time workAlready deducted above
- City choiceSwitch London ⇄ Outside London
- Shared accommodationNot modelled — ask a counsellor
Approximate figures for planning; exchange rates as of July 2026 (GBP 1 ≈ ₹129, indicative). Actual costs depend on your university, city, lifestyle and rate movements. Only the scholarship and loan amounts YOU modelled are deducted — no award is assumed and no lender has been approached. Visa fee & maintenance from gov.uk (fee £558 from 8 Apr 2026; maintenance £1,529/£1,171 pm). Tuition/living cross-checked with the AEOC UK page.
What Brings Your Investment Down
A study-abroad total is a starting point, not a final bill. Four levers move it — one this tool calculates from verified rules, three you control yourself. Each card says which is which, because that difference matters.
Part-time earnings
Calculated for youDeducted from your total using each destination's verified 2026 student work rules and standard wages — legal term-time hours, break hours and the local hourly rate.
Scholarships
You model itSet a what-if amount and watch the net investment fall. We never assume an award or assess your eligibility — that is the awarding body's call, and a counsellor can tell you what to target.
Post-study salary
You set itAEOC publishes no graduate-salary data, so you enter what you expect to earn. The payback period is calculated from your figure and labelled as yours throughout.
City choice
You chooseLiving costs differ sharply between the priciest city tier and everywhere else. Switch tiers in the calculator and the total moves immediately.
We deliberately do not quote an average saving or a typical graduate salary — AEOC has no verified figure for either, and a number we cannot source is a number you should not plan around.
How Your Investment Breaks Down
No black box. Your first-year figure is a simple, visible sum of six cost heads, each sourced from official government and university data.
Tuition by level
Published 2025-26 fee ranges for your study level — from near-zero at German public universities to premium US programs.
Living by city tier
Monthly budgets differ sharply between London and Leeds, or Sydney and Adelaide — you pick the tier, we price it honestly.
One-time costs
Visa fees, mandatory health cover, an indicative flight and optional AEOC test-prep — itemised, never buried in the total.
Planning a specific destination? Read the full guides: Study in UK · Study in Canada · Study in USA · Study in Australia · Study in Germany · Study in Ireland · Study in France · Study in New Zealand
Cost Questions, Answered
Ready to Turn This Estimate Into a Plan?
AEOC counsellors in Nadiad and Vallabh Vidyanagar price your exact shortlist, match scholarships and arrange education loans — so the number you saw becomes a real, affordable plan.