Methodology & data sources▼
Salary data: IMA (Indian Medical Association) published salary surveys; Practo and 1mg doctor income surveys 2022–24. GP starting salaries in India vary widely by location — ₹50K–₹1.5L/month.
Loan EMI: Standard reducing-balance formula. Interest accrual during study period uses simple interest on principal.
Education costs: Published university fee schedules plus indicative living cost surveys. All figures indicative.
Why break-even, not just total cost
Most cost comparisons stop at the sticker price — ₹45L for Georgia versus ₹3.2Cr for a UK degree — and leave families to guess what that actually means for their finances over time. The number that matters more is when the investment turns net positive: the month cumulative doctor earnings, after loan repayments, exceed what you spent to get there. A cheaper degree with a longer path to registration (extra FMGE attempts, a lower starting salary) can break even later than a more expensive one with faster, higher-paid entry into practice. This tool exists because that comparison is almost never shown together in one place.
Written & maintained by Medi-Prep — founded and edited by a practising doctor (MBBS) and parent of a medicine applicant. Published 25 May 2026 · Updated 25 Jul 2026 · Sources & disclosure