Financial planner

See the degree—and the life after it.

Model tuition, city living costs, funding, monthly debt service and the cash left after graduation. Compare the same assumptions with a lower-cost school.

Your assumptions

University

Compare with a lower-cost school

Currency

Duration years

Annual tuition

Annual living cost

Scholarship per year

Family contribution

Expected salary

Comparison salaryExpected annual salary without this degree

Salary growthAnnual percentage

Interest rateAnnual percentage

Loan term years

Tax rateEstimated effective percentage

Monthly living costs after graduationInclude housing, food, bills, transport, insurance and personal spending for your work city. Leave blank to omit the savings estimate; enter zero only if these costs are fully covered.

Start paid work in

Hours per week

Hourly wage assumptionEditable. Where city evidence supports it, UniVised can prefill a conservative local proxy; this is not a guaranteed student wage.

Your degree earnings assumptionUniversity-wide historical earnings (10-year horizon), not an entry-level or degree-specific salary forecast. Review the salary and cost assumptions before calculating.

What this calculates

Cost, debt service and earnings premium.

The model subtracts scholarships and any study-time earnings you choose to include, estimates loan payments, compares two salary paths after tax and totals the difference over ten years.

Student work uses 40 working weeks per year; leave the wage blank to exclude it.
It does not include inflation or exchange-rate changes.
Published earnings are cohort medians, not forecasts for an individual.
Career fulfilment and visa constraints need separate treatment.