Study ROI / Payback Comparator
Planning model for tuition + living vs expected net salary — not an earnings promise.
Planning only — not legal, tax, or immigration advice. Confirm on official portals.
Study ROI / Payback Comparator is a free SetTern planning tool. Planning model for tuition + living vs expected net salary — not an earnings promise. Simple payback model — not projected earnings or career advice. Sources are cited on the page — confirm details on the official portals linked.
Also available in: · Russian (Русский) · Spanish (Español) · French (Français) · German (Deutsch) · Portuguese (Português) · Chinese (中文) · Italian (Italiano) · Tools
Prefill tuition from the catalog university and living from city avg × 12. Enter your own expected net salary — we do not invent graduate outcomes.
London living mid · tuition source
Catalog · Imperial College London (catalog annual): $38,200
Catalog · London avg×12: $45,600
Leave blank until you have an offer — we do not invent graduate salaries.
$83,800
Enter your offer salary to see payback years
Living total: $45,600 · Tuition: $38,200
Planning model only: divides total study cost by expected net salary. Not a guarantee of earnings, employment, or ROI. Ignores tax, debt interest, and career progression.
Living baseline: Numbeo Cost of Living Index 2025 (London avg × 12)
Student cost calculator · Methodology
Planning only — not legal, tax, or immigration advice. Confirm on official portals.
Verified official sources
- SetTern methodologysettern.io — How we cite costs, visas, and tool limits — not legal advice.
- SetTern editorial policysettern.io — E-E-A-T, fact verification, and update cadence.
- SetTern student cost calculatorsettern.io — Related tuition + living planning inputs.
- SetTern salary adjustmentsettern.io — Optional take-home context for payback planning.
Common questions
- Is Study ROI / Payback Comparator legal or immigration advice?
- No. SetTern tools screen cited government and catalog data for planning only. Confirm eligibility, fees, and deadlines on the official portals linked on this page.
- Is payback a salary guarantee?
- No. It is a simple cost ÷ expected net salary planning model using your inputs.
- Should I include living costs?
- Yes for a fuller total — you can pair with the student cost calculator for living midpoints.