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edu.tuition-roi Calculator
Calculates the financial return on a college degree by comparing total tuition cost against projected lifetime salary premium over a high-school graduate, discounted at a chosen rate. A degree with a negative NPV at graduation simply means the salary premium doesn't justify the debt.
Inputs
Tuition
Reference formula or conversion factor shown for context.
Salary With
Reference formula or conversion factor shown for context.
Salary Without
Reference formula or conversion factor shown for context.
Years Eval
Time for one complete cycle (s). Period = 1 / frequency. A 50 Hz signal has a 20 ms period.
Results
salary premium/yr
The price paid for the option or insurance coverage. Option premium = intrinsic value + time value + volatility premium.
payback period (yrs)
Time to recover the initial investment from cumulative cash flows. Most firms target 2–5 years. Does not account for the time value of money — use discounted payback for rigour.
net gain over
The improvement or increase over the baseline.
ROI
Reference formula or conversion factor shown for context.
opportunity cost
The total monetary cost computed for the given inputs.