Tools
Run the numbers honestly
Four free calculators. No login. No email required. The brochure number is rarely the real one.
Every number on this site comes from real loan mechanics, not a brochure. These calculators let you run your own figures before you sign anything. No login, no email, nothing saved.
Education loan calculators
- Education Loan EMI Calculator, your monthly EMI, total interest, and total payable.
- Moratorium Calculator, how much interest builds up before repayment, and your balance when EMIs begin.
- Prepay or Invest Calculator, whether a lump sum is better used to clear the loan or to invest.
Cost and funding calculators
- Cost of Studying Abroad Calculator, the real rupee total of tuition, living and one-time costs, with a forex stress test.
- TCS on Foreign Remittance Calculator, the TCS on your education remittance, and how the loan-funded exemption changes it.
Real Cost Calculator
Tuition is the headline. Everything else is the actual bill.
Out-of-pocket = (tuition + living) × years + one-time. Real cost adds the salary you would have earned at home.
Loan Reality Calculator
EMI is the easy part. What matters is total interest and how much of your post-grad salary it eats.
Sustainable EMI is roughly 35% of take-home. Above 50% is the struggle zone.
Profile-to-Country Match
Three questions. A direction, not a verdict.
This is a starting frame, not a destination. Read the country deep-dive before deciding.
Return on Investment Calculator
The loan-funded abroad path versus the staying-in-India alternative. Same person. 10 years out.
10-year horizon, post-tax estimate. Currency conversion uses a ₹83/USD-equivalent assumption for non-INR salaries. Adjust by hand for other currencies.