ROI of University Degree Calculator Singapore 2026
Is a university degree worth it in Singapore? Compare the 10-year financial return of a degree vs diploma path, including fees, loan interest, and cumulative income.
Degree Total Fees$36,000.00
Degree Total Cost$36,000.00
Median Starting Salary (Computing)$5,524.00
Net Position at Year 10 (Degree)$361,728.00
| Metric | Degree (NUS) | Diploma |
|---|---|---|
| Total Education Cost | $36,000.00 | $5,000.00 |
| Study Duration | 4 years | 2 years |
| Working Years (in first 10yr) | 6 years | 8 years |
| Cumulative Income (10yr) | $397,728.00 | $259,200.00 |
| CPF Accumulated (10yr) | $147,159.36 | $95,904.00 |
| Net Position at Year 10 | $361,728.00 | $254,200.00 |
A degree in Computing from NUS breaks even vs a diploma at year 7 (from age 18). By year 10, the degree holder is ahead by $107,528.00.
Important Notes
This calculator uses median starting salaries and does not account for salary growth, promotions, career switches, or industry-specific demand. Actual lifetime earnings vary significantly. The comparison assumes starting from age 18 with no gap year.
How to Use This Calculator
- Select your intended degree field, university, and funding method.
- The calculator compares your degree path against a polytechnic diploma baseline.
- It calculates total costs, cumulative income, and the breakeven year from age 18.
- CPF accumulation includes both employee (20%) and employer (17%) contributions.