Higher Studies vs Job — Is It Worth It?
Should you pursue an MBA, MTech, bootcamp, or certification — or stay and grow in your current role? Compare 10-year wealth outcomes for both paths. No verdict. Numbers only. You decide.
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Include tuition, hostel, books, living expenses during study
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Editable — prefilled with tier-based defaults. Use your own estimate if different.
Expected annual salary hike if you stay in current role
Enter 0 if self-funded. Used to calculate loan EMI cost post-study.
Frequently Asked Questions
Opportunity cost is the salary you give up by studying instead of working. For a 24-month MBA at ₹12L/year current CTC, the opportunity cost is ₹24L in foregone salary — even before counting fees. This is often the biggest hidden cost of full-time education that candidates underestimate.
For Tier 1 IIMs (A, B, C, L, K), the average placement salary of ₹25–35L+, combined with career acceleration, typically generates a positive ROI within 4–6 years. For Tier 2 IIMs, the math is tighter — it depends heavily on pre-MBA salary and opportunity cost. This calculator helps you model your specific situation.
Bootcamps typically cost ₹50K–3L, take 3–6 months, and can increase salary in technical roles by 30–60%. MBA programs cost ₹25L–40L, take 2 years, and target management/consulting/finance roles. A bootcamp may break even faster, but an MBA can unlock roles entirely unavailable without it (e.g., top consulting firms, B-school alumni networks).