Is a funded PhD abroad actually financially sustainable? Enter your program details to see net monthly income after tuition, taxes and living costs — in INR.
🎓 Program Details
Country
Annual Stipend (in local currency)
Typical US PhD: $20,000–40,000/year. RA/TA positions commonly pay $25,000–35,000.
Annual Tuition Waiver
Partial Tuition (if applicable, annual)
💡 PhD Funding Reality Check
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Always negotiate. Stipends at most universities are negotiable, especially if you have a competing offer. Even $2,000 more per year compounds significantly over a 4–5 year PhD.
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Tax is real. US PhD stipends are taxed (unlike fellowships). After federal + state income tax, a $30,000 stipend in California nets approximately $24,500.
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Germany and Canada are the most financially sustainable for Indian PhD students — low living costs, universal healthcare, and relatively comfortable stipends relative to cost of living.
Net Monthly Income After All Costs
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Enter your stipend and location
Gross Monthly
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After Tax
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Living Costs
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Sustainability
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💸 Monthly Budget Breakdown
📋 Country-Specific PhD Facts
Check full cost of living
Monthly costs for rent, food and transport by city in INR.