MBA ROI Calculator

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1. MBA Costs & Funding

Total fees (₹L)

Loan amount (₹L) Can include living expenses during MBA.

Interest rate (% p.a.)

Duration (years)

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2. Pre-MBA Wealth

Investments (₹L) Stocks, MF, bonds

Cash savings (₹L)

Monthly spend during MBA (₹k) Living expenses, subscriptions, etc.

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3. Current Job (Opportunity Cost)

Current CTC (₹L)

In-hand (%)

Salary Growth (% p.a.)

Monthly Spend (₹L)

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4. Market Assumptions

MF return (% p.a.) ⓘ Note: Model assumes 100% of net savings go into this MF corpus.

Repayment (years)

Expense growth (% p.a.) Lifestyle inflation applied to all scenarios

Projection (years) ⓘ

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5. Career Trajectories ⓘ

Configure all 3 tabs to compare trajectories.

Label

Starting CTC (LPA)

In-hand (% of CTC) ⓘ

Salary growth (% p.a.)

Starting expenses (₹k/mo)

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Starting CTC (LPA)

In-hand (% of CTC) ⓘ

Salary growth (% p.a.)

Starting expenses (₹k/mo)

Label

Starting CTC (LPA)

In-hand (% of CTC) ⓘ

Salary growth (% p.a.)

Starting expenses (₹k/mo)

Financial Outcomes

Net worth trajectory

Shaded band = MBA period · Bold lines = net worth · Red = loan outstanding

NW · Sc 1 NW · Sc 2 NW · Sc 3 Loan

Opportunity Cost vs MBA Trajectories

Comparing all MBA scenarios against No-MBA (Staying at Current Job)

NW · Sc 1 NW · Sc 2 NW · Sc 3 No MBA (Baseline)

Annual cashflow — Scenario 1

Net savings go into MF corpus each year · Expenses grow at set rate

Salary in-hand Total expenses Loan EMI Net savings → MF