💰 Cost Calculator · Free, no signup

Your specific number,
not a range.

Most cost ranges online are guesses. Pick your country, budget tier, family situation, language readiness, and intake. See your specific number for tuition, living, visa, and 12-month buffer, all in INR.

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5 inputs · Live calculation

Tell us about your case.

Numbers update as you pick. No signup, no email, no calling.

Live estimate
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Pick a country to start

Select your destination from the dropdown to see a live estimate broken down by category.

How the math works

What's actually inside the number.

No black-box magic. The calculator adds up seven categories. Here's what each one means.

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Tuition fees

Largest variable

What the university charges. Varies wildly by country and tier. UK Masters: ₹14-25L. German public: near zero. USA private: ₹35L+. Tier multipliers: budget = 0.75x, mid = 1.0x, premium = 1.6x.

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Living + accommodation

40 to 60% of total

Rent + food + transport + utilities. Calculated per month, multiplied by duration. Family multiplier: +60% for spouse, +90% for spouse + child. City multiplier: capital cities are 15% more, regional cities are 15% less.

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Visa + biometric

Fixed + family-scaled

Government visa fee + biometric + VFS service charge. Scales up if spouse and children need dependent visas. UK: ₹50,000. Germany: ₹25,000. Schengen: ₹15,000. USA F-1: ₹30,000. Family doubles or triples this.

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Language prep

Only if needed

Coaching is free for students who book overseas placement with Cokonet — we run in-house batches for IELTS, OET, PTE, TOEFL, Duolingo, German (A1 to C1), and French (A1 to B2). Only the official exam fee is paid by you, directly to the testing body (IELTS ₹19,000, OET ₹47,000, Goethe-Institut B1 around ₹15,000, etc.). For Healthcare-to-Germany applicants we even pay a ₹30,000/month stipend during the language phase.

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Flight + setup

One-time

One-way flight from Trivandrum or Kochi + first-month essentials: insurance, SIM, deposits, initial furniture, food stocking, basic bedding. Scales with family size. Solo: ₹90K. Spouse: ₹1.4L. Family: ₹1.7L.

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Emergency buffer

6 months of living

Half a year of living costs set aside before departure. This is non-negotiable for visa applications (most countries ask for it) and genuinely necessary, jobs, scholarships, side income don't kick in instantly.

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What's NOT included

Transparent

Personal travel within destination country, premium accommodation upgrades, replacement laptop or phone, branded clothing for cold weather. We do not pad these into the number because each family handles them differently.

Frequently asked

About the calculator.

How accurate is this estimate? +
Within 10 to 15% for most cases. The number reflects 2026 rates we have seen on real consultancys over the past 18 months. What can push it off: dramatic exchange rate moves, university-specific scholarship offers (which only show up after application), and personal lifestyle differences. We use the calculator number as a starting point on the counsellor call, then refine it for your specific case.
Why is Germany so cheap compared to the UK? +
Public universities in Germany charge a semester administration fee of around €350 (₹30K). They do not charge tuition. The UK charges ₹14-25L per year in tuition for international students. The catch: Germany's living costs are high (€800-1100/mo), and you need to show €11,904 (~₹10L) in a blocked account before getting a visa. Net total still works out to about 40-50% of UK cost.
Why does Germany Healthcare show such a small number? +
The Healthcare-to-Germany pathway works differently. You learn German to B1 (about 6 months at our centre, talk to our language desk for current batch fees), Cokonet places you with a German hospital (recognition pathway included in service fee), the hospital sponsors your work visa, and you start earning €2,500-3,200/month from Day 1. The 'cost' is just the pre-departure phase. Your destination employer covers the rest.
What's NOT in this number? +
Personal travel within the destination country, premium accommodation upgrades (penthouse views vs standard student housing), new laptop or phone, premium cold-weather clothing, hobby gear, gifts back home, return tickets for visits. These vary per family and we do not pad the number with assumptions.
What if my parents pay everything, do I still need the buffer? +
Yes. Most visa applications REQUIRE proof of 6 months of living funds in a parent's or sponsor's account before granting the visa. The 6-month buffer is not optional, it is what unlocks the visa. After you arrive and find a job, the buffer becomes your emergency fund.
I have a partial scholarship offer. How do I factor it in? +
The calculator shows full-pay numbers. If you have a 50% tuition scholarship, subtract 50% of the tuition line from the total yourself. Most Cokonet students see scholarships of 10 to 25% off tuition at mid-tier universities. Premium scholarships (50%+ off, full-rides) are rare and typically need a 95th percentile profile, which we help you build.
Can I rely on part-time work to cover living costs? +
Partially. Most student visas allow 20 hours/week of part-time work. At UK/Australia/Canada hourly rates, that covers 60-75% of living costs once you find work, which typically takes 2-4 months after arrival. Hence the 6-month buffer. Do not plan on part-time income being available from Day 1.
Why is the consultancy fee fixed at ₹1.75L regardless of destination? +
Our service depth is the same per student: senior counsellor, university shortlisting, application + SOP work, visa filing, pre-departure planning, ongoing support. A USA placement is not 3x harder than a Germany placement, so charging 3x the fee would be dishonest. Some consultants charge by university tier, which we think is wrong.
Want a detailed breakdown?

Free 30-minute call with a senior counsellor.

The calculator gives you a starting number. A senior counsellor walks you through line-by-line costs, scholarship possibilities, education loan options, and refunds the calculator into a real plan for your case.

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