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Evaluate major choices with one tool: going back to school, moving for a job, starting a business, or switching careers.
Total Cost
$200,000
Break-Even Year
Year 10
20y NPV
$277,318.38
ROI Ratio
476%
MBA costing $200,000 (tuition + 2 years lost income) with salary lift to $100K breaks even in year 10. NPV over 20 years: $277,318.38.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
A program costing $120,000 with total decision cost of $374,825 and a year-1 salary lift of $40,000 breaks even in about 13 years. Over 20 years, projected cumulative difference is $1,232,566.25 (NPV $211,803).
Total decision cost
$374,825
Break-even year
13
20-year ROI
329.0%
NPV
$211,803
FinCalc AI
FinCalc AI
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Data and assumptions align with official publications. For verification and current figures:
It depends on total education cost, lost income during study, expected salary uplift, and growth on both career paths. A practical decision frame is break-even year plus long-term NPV instead of salary increase alone.
Compare after-tax income, housing differences, recurring cost-of-living deltas, and one-time moving expenses. A move can look better on gross salary but worse on real annual gain after tax and rent.
Model expected business net income by year, subtract startup and ongoing costs, include lost benefits value, and compare against employee compensation trajectory. Break-even year and NPV are key summary metrics.
Starting salary, growth-rate differences, transition income dip, and retraining cost are the primary drivers. The crossover year and 10/20-year cumulative comparison show whether the switch pays off financially.
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