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Tuition, living costs, scholarships, and loan EMI — combined into one precise financial breakdown.
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Get help comparing colleges, understanding scholarships, and planning education-loan decisions with confidence.
Step 1 of 5
Calculate a precise fee range using real college data, scholarships, and loan estimates — tailored to your exact program.
Start by selecting a college — we'll fetch actual fee structures and placement data automatically
Tuition, hostel, mess and other charges sourced directly from college records
Calculate total cost including living expenses, scholarships, and education loan EMI
Add loan details to estimate monthly EMI and total interest over the repayment period
Three data sources combine to produce your estimate.
We pull tuition, hostel, and other fees directly from the official colleges for your selected college and program.
You add living costs, scholarships, and loan details to build a complete picture beyond just tuition.
We combine everything to show total cost, monthly outflow, and loan EMI for a complete financial picture.
The total cost of a degree goes beyond tuition. Living expenses, exam fees, and loan interest can add 30-50% to the headline fee. Knowing the full picture helps you plan better — whether that means choosing a different hostel, applying for a scholarship early, or adjusting your loan amount.
Most families budget for tuition and mess only. Deposits, travel, lab fees, software licenses, and mid-course laptop upgrades typically add 15-20% to the actual cost.
Indian education inflation runs 6-8% annually. A ₹2L yearly hostel fee becomes ₹2.5L by year four. Over a 4-year degree, compounding adds up significantly.
After applying scholarships and savings, the remaining amount is your Savings Gap - the exact deficit you need to fund through a loan, part-time work, or sponsorships.
Your total student loan at graduation should ideally be less than or equal to your projected first-year salary. If you expect ₹8 LPA but borrow ₹12L, monthly EMIs will consume a significant chunk of your take-home pay. Compare EMI to expected starting salary before committing.
Banks offer loans at 8-12% p.a. Repayment normally starts 6-12 months post-course. Always check subsidy schemes like Vidyalakshmi and compare lenders.
A cheaper college isn't always better. A college costing ₹4L more but offering ₹3L higher starting salary pays for itself quickly. Factor in placements and ROI.
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Before You Pay Any Advance
Confirm the college and degree pathway on official approval portals. UGC regularly publishes recognition lists and notices against unrecognised institutions.
Ask for the year-wise fee sheet, not just headline tuition. Hostel, deposits, exam charges, and refund terms often change the real payable amount.
Review moratorium, repayment start date, scholarship renewal criteria, and subsidy eligibility. Official portals like Vidya Lakshmi and NSP are more reliable than brochure summaries.
A useful rule: do not commit based only on a brochure PDF or verbal promise. Ask for the fee breakup, refund terms, and financing conditions in writing.