A monthly planning estimate for tuition and living costs, then the same total in rupees.
These figures are for indicative purposes only. Actual costs vary by city, university, course, and lifestyle.
How these figures were set
Tuition is a published yearly fee, divided into a monthly share. The cheapest lifestyle — shared housing, cooking, public transport, minimal clothes, and no paid activities — is set to an official living-cost guide. Choosing your own place, eating out, a car, more clothes, or activities adds a planning allowance. Those allowances are not a fee schedule.
United States: College Board 2025–26 public out-of-state undergraduate tuition of $31,880, and international postgraduate and PhD fee medians. Modest living is the College Board student budget after tuition.
United Kingdom: UCAS international averages for undergraduate and postgraduate fees. The PhD line is a £18,000 planning midpoint. Modest living is the UKVI rate outside London from 30 November 2026. London is higher.
Canada: Statistics Canada 2025/26 international tuition. The PhD line uses the graduate average. Modest living follows the C$23,000 a year guide.
Australia: tuition midpoints, because there is no national average. Modest living is the Home Affairs amount of A$29,710 a year.
Ireland: University College Dublin arts as an undergraduate example. The visa minimum is €10,000 a year. A modest room and groceries already sit slightly above that.
New Zealand: University of Auckland 2026 examples, including the domestic-rate PhD fee. Modest living is Immigration New Zealand’s NZ$20,000 a year.
Germany: a public-university semester contribution. Baden-Württemberg charges non-EU bachelor’s and master’s students extra. Modest living is the €992 a month blocked-account amount.
