For Parents · Free Tool

Family Financial Calculator

An honest 60-second calculation. Plug in your numbers, see your real loan EMI, your child's realistic post-study salary, and how long it takes to pay back. Compare countries side-by-side. Built by Dr Chathyushya K B, PhD — no upsell, no hidden fees, no agency interference.

Your inputs

Target country

Total cost of program (₹ lakhs)

₹55 L

Family own funds (₹ lakhs) — savings + sale of assets

₹15 L

Loan amount (auto-calculated)

₹40 L

Loan tenure (years)

Interest rate (% p.a.)

11.00%

Family monthly income (₹) — for stress-test

Your honest financials

Monthly EMI

—

Total repayment

—

Interest paid

—

EMI / income ratio

—

Realistic starting salary

—

Realistic payback

—

Run the numbers above to see honest verdict

Your verdict will appear here based on country fit, EMI affordability, salary realism, and payback timeline.

Want a personalised path?

Take the Three-Path Career Assessment — 12 questions, 4 minutes, founder-built.

Free Assessment →

Country comparison at your loan amount

Country	Total Cost	Realistic Salary (yr 1)	Payback Timeline	EMI Stress