Compare real costs, after-tax salaries, loan repayment timelines, and long-term wealth projections across every admission offer — before you commit.
4–13 yrs
typical loan repayment range
5 offers
max simultaneous comparison
50 states
accurate tax data built-in
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Your profile
Your gross annual salary if currently employed. Used to calculate opportunity cost — income you forgo while studying. Enter 0 if you are a fresh graduate.
Total professional experience before the program. 1–2 years adds ~4% to starting salary; 3+ years adds ~7%, reflecting stronger negotiating position.
Amount of your own savings you will put toward program costs. Directly reduces how much you need to borrow.
Post-graduation assumptions
Percentage of monthly net take-home you allocate to loan repayment. 20–40% is a common range. Higher = faster payoff.
Expected year-on-year salary increase. Industry averages range 5–12%. Used in 5-year and 10-year wealth projections.
US state where you plan to work after graduation. Each state has different income tax rates applied to your post-grad salary.
Months of job-hunting before your first paycheck. Loan interest keeps compounding and living costs continue during this period — both are factored in.
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Admission offers
Add up to 5 schools
Your results
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Full comparison
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Cost of attendance breakdown
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Gross vs net vs loan
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Loan repayment timeline
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5-year cumulative wealth projection
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10-year cumulative wealth projection
Assumptions, inclusions & limitations
Federal tax uses 2024 IRS progressive brackets with $14,600 standard deduction for single filers.
State tax uses flat effective rates per state from 2024 data embedded in this file, applied to taxable income.
Payroll taxes include Social Security (6.2%) and Medicare (1.45%) on gross salary.
Not accounted for: NYC/SF city taxes, FICA wage base caps, AMT, OPT/F-1 FICA exemptions in early years, investment gains tax.
Refinancing replaces your student loan with a new private loan at a lower rate — typically possible after ~1 year of employment history. Reduces total interest paid significantly.
Unemployment period — loan interest compounds monthly and living costs (annual COA ÷ 12) continue. Both are deducted before repayment begins.
Wealth projection — once your loan is fully repaid, the repayment amount shifts to an investment growing at 8%/yr (S&P 500 long-run average).
Salary progression is approximate based on your input growth rate. Actual results depend on company, role, and market conditions.