Is it worth it?
Model your own unique financial scenario using a standard investment Methodology.
Custom ROI Calculator
Compare the long-term value of a degree vs. entering the workforce.
Duration: 4 years
Earnings AssumptionEnter either value - they update each other
$
Typical College Scorecard metric
OR
$
Your expected salary upon graduation
$
Est. Net Cost (Tuition + Living - Grants)
Lifetime Value (NPV) Added
-$16,319
vs High School Graduate
Break-even Age
Never
Costs exceed gains
Total ROI
-18.8%
Internal Rate of Return
Analysis Breakdown
| Metric | Your Selection | Median College | Median HS |
|---|---|---|---|
| Lifetime Earnings (Pre-Tax, Net of Costs) | $3,737,086 | $3,737,086 | $2,755,586 |
| Lifetime Earnings (After-Tax, Net of Costs) | $2,978,232 | $2,978,232 | $2,299,421 |
| NPV Lifetime Earnings (Pre-Tax, Net of Costs) | $587,676 | $587,676 | $572,515 |
NPV Lifetime (After-Tax, Net of Costs) The most important result | $470,097 | $470,097 | $486,415 |
Methodology Note: This model assumes a 7.8% discount rate for NPV calculations. Wages grow at 2% annually. Costs inflate at 5.6%. Taxes are estimated with 2026 federal single-filer brackets and a $16,100 standard deduction.
Completers Only: Federal earnings data strictly tracks graduates. It does not account for the financial outcomes of students who drop out.