Money tool
Cost calculator
A realistic total cost in USD and NPR — including tuition, living, insurance, books, flight, and visa fees. No marketing fluff, no best-case lowballing.
Public state universities are far cheaper than private ones. Tuition varies 3-5x across institutions. · Last verified: 2026-04-11
Year 1 total
Subsequent years (no flight, no visa): $31,000 — $98,000
Breakdown
| Line item | Low | High |
|---|---|---|
| Tuition (annual) | $15,000 | $70,000 |
| Living costs (annual) | $12,000 | $24,000 |
| Health insurance | $2,500 | $2,500 |
| Books & supplies | $1,500 | $1,500 |
| One-way flight (year 1) | $1,400 | $1,400 |
| Student visa fee (year 1) | $185 | $185 |
| Year 1 total | $32,585 | $99,585 |
Why ranges, not single numbers
Tuition at a state university in the USA can be five times cheaper than a private one. Living in regional Australia costs about half of Sydney. Tuition at a Japanese national university is one-third of a Japanese private. The right number for you is bounded by these choices, not a single figure.
The ranges shown above cover roughly 90 percent of Nepali students' real-world costs. For the exact number, pull the Cost of Attendance letter from your specific university's international office.
How it works
- 1
Pick destination and degree
USA, Canada, Australia, Japan and more. Bachelor's, Master's, or PhD — each has different baseline ranges.
- 2
Adjust city and uni tier
Public state university vs private; Sydney vs Adelaide; Tokyo vs Sendai. The choice shifts the total by 30 to 60 percent.
- 3
See total in USD and NPR
The result shows the realistic full-year cost and the gap your NRB cap won't cover.
Methodology: Ranges in this tool reflect what Nepali students actually paid in the last two intake cycles, cross-checked against published university Cost of Attendance figures. We deliberately show a range because tuition at a state university can be five times cheaper than a private one in the same country. Single 'total cost' numbers are lies. Always confirm exact figures against your university's official admissions page.
Found the cost? Match it against the NRB cap to see your real funding gap.
Open the NRB calculator