Interactive tool · College Scorecard data

College ROI Calculator

Run a simplified four-year cost and earnings scenario for 6,243 U.S. colleges, using federal cohort data and clearly stated assumptions.

Compiled by PlainCollege , College outcomes data analysis

6,243
Colleges covered: $43,830
Avg 10-yr earnings: $50,232
HS-only baseline / yr

Search for a School

Massachusetts Institute of Technology

Cambridge, Massachusetts · Private Nonprofit

Scenario result

Under this simplified scenario, Massachusetts Institute of Technology produces a modeled 3373% over 30 years, with the four-year cost offset after about 0.9 years; its institution-level former-student earnings are higher than 99% of reporting US colleges.

According to the U.S. Department of Education's College Scorecard.

3373%
modeled return over 30 yrs: 0.9 yr
cost payback period: top 1%
former-student earnings, US colleges: $80,444
four-year total cost

This scenario assumes four years of the selected annual net price and flat annual earnings. It compares different national cohorts and does not estimate an individual's causal return.

$0 – $30k

$-2,533
$30k – $48k

$93
$48k – $75k

$1,480
$110k+

$48,479

What this shows The ROI scenario uses the overall average net price ($20,111/yr) - compare every bracket before changing the form above.

3373%

Modeled scenario return

0.9 yr

Payback Period

$2.8M$2,794,200

Modeled cumulative earnings difference

$80,444

4-Year Total Cost

Modeled payback path for Massachusetts Institute of Technology

This curve subtracts the four-year cost scenario, then adds the same annual earnings difference each year. Under those assumptions it crosses zero at about year 0.9; it does not model earnings growth, taxes, financing, or individual outcomes.

Modeled value = cumulative difference between the two cohort earnings benchmarks, minus the $80,444 four-year cost scenario. The $0 crossing is the modeled payback point. Sources: U.S. Department of Education College Scorecard and BLS.

How We Calculated This

Annual net price (average) $20,111

4-year total cost $80,444

Former-student median earnings (10yr after entry) $143,372

High school median earnings (BLS baseline) $50,232

150%-time completion (context only) 96%

Institution entry-cohort median earnings $143,372

Annual earnings premium vs HS diploma +$93,140

Career length for lifetime premium 30 years

Debt Context

$14,768

Median Debt

10%

Debt-to-Earnings Ratio

$157/mo

Est. Monthly Payment

Massachusetts Institute of Technology: earnings vs. every US college

10-year median earnings, College Scorecard

$143,372 Top 1% higher than all other reporting US colleges

Each bar is a $20K-wide band; taller bars hold more US colleges. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Department of Education, College Scorecard · Mar–Jul 2026 retrievals

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Frequently Asked Questions

How is the ROI scenario calculated? ▼

The model multiplies the selected annual net-price field by four, then compares institution-level 10-year former-student earnings with the BLS high-school-only benchmark ($50,232 per year, 2025 annual average) over the selected career length. It holds annual earnings flat and does not estimate a causal school effect, taxes, financing, opportunity cost, or individual aid.

What is the payback period? ▼

In this simplified scenario, the payback period is the modeled four-year cost divided by the annual difference between the two earnings benchmarks. It is not a prediction of when an individual will break even.

Why is completion shown? ▼

Completion within 150% of normal time is shown as separate institutional context. It does not weight the earnings calculation because the institution-level earnings cohort already includes completers and noncompleters.

Is Massachusetts Institute of Technology worth the investment? ▼

Under the calculator's disclosed assumptions, Massachusetts Institute of Technology produces a 3373% modeled return over 30 years with a 0.9-year modeled payback period. The source inputs are institution-level former-student earnings of $143,372 ten years after entry and a four-year cost scenario of $80,444; this is not a causal estimate or individual forecast.

This calculator uses College Scorecard institution data retrieved in July 2026. Earnings are 10-year entry-cohort medians for federally aided former students who were working and not enrolled; they are not graduate-only values or individual forecasts. The high-school baseline comes from Bureau of Labor Statistics median weekly earnings for workers age 25+ with a high-school diploma. See our methodology for the derivation and limitations.

What this means for your numbers

The calculator uses net price after grants and scholarships, not sticker price - the two can differ by tens of thousands of dollars a year.
Massachusetts Institute of Technology currently ranks first on PlainCollege's best-value list (10-yr entry-cohort earnings minus Title IV net price, dual-cohort join). See the full best-value ranking
The debt-to-earnings figure here divides median federal debt by institution-level median earnings ten years after entry; it is a descriptive cross-cohort check, not a repayment forecast.

This calculator is for informational purposes only and does not constitute financial advice. Results are estimates based on historical national averages and do not predict any individual student's actual costs or earnings.

Every figure on PlainCollege is rendered directly from the U.S. Department of Education's College Scorecard data, no number is typed in by an editor. Scenario outputs combine College Scorecard fields with disclosed four-year-cost, flat-earnings, and BLS-baseline assumptions; they are not source fields or causal estimates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error on this page. Review the public data changelog. Data current as of Mar–Jul 2026 retrievals.