Total fees, living costs, loan EMI, and monthly repayment versus your doctor starting salary — for every major overseas destination.
All figures are estimates based on 2025 data. Exchange rates: 1 USD ≈ ₹84, 1 AUD ≈ ₹55, 1 GBP ≈ ₹107. Salary benchmarks: India GP ~₹75,000/month starting, UK FY1 ~£2,700/month, AU JMO ~AUD 6,700/month. Actual costs vary — see our full cost guide for detailed breakdowns.
A total cost figure on its own tells you what you'll spend, not whether you can actually service the debt. This calculator instead shows your projected loan EMI as a percentage of a realistic starting doctor salary in your target country — the number that determines whether the years right after graduation are financially survivable or crushing. As a rough guide, most lenders and financial planners consider an EMI above 40–50% of take-home income unsustainable for a new graduate managing rent, living costs, and (for overseas MBBS graduates) FMGE preparation costs on top of loan repayment.
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