College Is a $100K+ Investment. Calculate the ROI.
Not all degrees are equal. Our analyzer compares real graduate earnings data across 6,500+ schools and 400+ majors to calculate NPV, IRR, and payback period for every combination. Monte Carlo simulation shows the range of outcomes. Powered by College Scorecard, IPEDS, and BLS data.
Free basic calculator. No signup required. Data from College Scorecard, IPEDS, BLS, and Census.
Investment-Grade Analysis for Your Education Decision
College ranking sites measure prestige. We measure financial return. NPV, IRR, Monte Carlo earnings projection, economic mobility scores, and loan repayment modeling -- the same framework investors use for any major capital allocation decision.
Net Price Calculator
Total cost of attendance minus expected financial aid using IPEDS net price data by income bracket. See what you will actually pay -- not the sticker price that scares everyone off.
Monte Carlo Earnings Simulation
10,000 iterations sampling from College Scorecard earnings distributions (25th, 50th, 75th percentile) by school and major, with employment probability and geographic cost-of-living adjustments.
NPV / IRR Analysis
Net present value of projected earnings minus counterfactual high-school earnings minus loan payments over a 20-year horizon. Internal rate of return tells you if this degree is a good investment at any discount rate.
Price-to-Earnings Premium
How many years to recoup net cost via median earnings above the high-school baseline? The Third Way PEP methodology applied to every school and major combination in the College Scorecard.
Economic Mobility Score
Chetty mobility rate -- the probability of moving from the bottom to the top income quintile. Identifies institutions that actually move students up the economic ladder, not just the ones with the best brand.
Loan Repayment Modeling
Standard, Extended, and IDR plan comparison for each school+major scenario. Model PSLF eligibility, forgiveness timelines, and the tax bomb -- because the degree cost includes the interest you pay.
How It Works
Pick Your Schools & Major
Select up to 5 target schools, your intended major, family income bracket, and state of residence. Optionally add a career goal for occupation-specific wage projections.
We Calculate the ROI
Net price calculation, Mincer earnings projection, Monte Carlo simulation, NPV/IRR analysis, PEP score, mobility score, and loan repayment modeling -- all automated for each school.
Compare Your Options
Side-by-side ROI comparison across all your target schools. NPV, IRR, payback period, earnings projections, loan burden, and a clear recommendation -- downloadable as a PDF.
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Make Your College Decision With Data, Not Rankings
Select your target schools and major, and get a complete financial analysis in minutes. NPV, IRR, Monte Carlo earnings projection, payback period, loan modeling, and a clear recommendation -- all in one report.
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