Tools
Study ROI / Payback Comparator
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Executive overview
Does the degree pay back against tuition and living costs?
Planning model for tuition + living vs expected net salary — not an earnings promise. Simple payback model — not projected earnings or career advice. Confirm details on the official portals linked on this page.
Planning only — not legal, tax, or immigration advice. Confirm on official portals.
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.
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Data sources & honesty
Simple payback model — not projected earnings or career advice.
Basis: Your dates and inputs only · catalog 2026-05-19
Required — results depend on what you enter
Official sources
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.