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Study Abroad Savings Calculator

How much could you save studying abroad?

US tuition keeps climbing β€” but many European universities charge little or nothing, even for international students. Compare your US costs against studying in Germany, France, or the Netherlands and see your estimated savings. Free, no signup.

These are indicative estimates built from published national averages and typical student budgets, converted at an approximate exchange rate. Real costs vary by program, city, and year. Always confirm tuition, fees, and living costs on each university's official pages before you rely on them.

A state school where you pay the non-resident rate.

Biggest saving

Studying your master's in Germany instead could save about

$64,536

over 2 years versus public university (out-of-state) β€” that's roughly 70% less.

US baseline: $91,760 over 2 years

πŸ‡©πŸ‡ͺGermany

Tuition-free public universities

Save $64,536

Total $27,224

Tuition$1,512
Living$25,712

Most public universities charge no tuition β€” just a semester fee of roughly €150–350. Baden-WΓΌrttemberg is an exception, charging non-EU students about €1,500 per semester. You must show about €11,904 in a blocked account for your visa.

πŸ‡«πŸ‡·France

Low public-university fees

Save $59,488

Total $32,272

Tuition$8,512
Living$23,760

Public universities charge non-EU students reduced national rates β€” around €2,895/year for a bachelor's and €3,941/year for a master's. Some schools waive the difference. Grandes Γ©coles and private schools cost much more.

πŸ‡³πŸ‡±Netherlands

English-taught degrees, mid-range fees

Save $37,760

Total $54,000

Tuition$28,080
Living$25,920

Hundreds of English-taught programs. Non-EU tuition starts around €7,000–9,500/year for bachelor's and €11,000–16,000/year for master's at the cheaper universities, rising well above that elsewhere.

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Why studying abroad can cost so much less

In much of Europe, higher education is treated as a public good rather than a market. Germany abolished tuition fees at public universities for all students β€” including internationals β€” at most institutions, leaving only a small per-semester administrative fee. France charges non-EU students reduced national rates that are a fraction of US sticker prices. The Netherlands sits higher but still well below private US tuition, with hundreds of English-taught programs. For an American paying out-of-state or private US rates, the gap over a full degree can run into six figures.

What this calculator counts

It compares the same number of years on both sides. Tuition uses the public-university or non-EU international rate for each destination. Living costs cover rent, food, transport, and insurance at nationally typical student levels β€” you can toggle them off to compare tuition alone. Non-US figures are converted from euros at an approximate mid-market rate, so the dollar totals move slightly with the exchange rate.

What it doesn't count

Flights, visa and residence-permit fees, health insurance beyond the basic living estimate, scholarships, and any part-time earnings aren't included. Many destinations let international students work part-time, and several offer scholarships that lower the real cost further β€” so your actual savings may be larger than the figure shown. A few regions and programs charge more than the national norm, so check the specific university.

Next steps

Once a destination looks worth it, use Smart Match to find programs that fit your profile, then build a dated application roadmap so you know exactly what to do and when. Both are free and need no signup to start.

Sources

  • US tuition & living: College Board, Trends in College Pricing 2025-26 (published averages, rounded).
  • Germany: DAAD and German university fee schedules; blocked-account minimum set by the Federal Foreign Office (€11,904/year).
  • France: Campus France differentiated tuition rates for non-EU students; Crous living-cost guidance.
  • Netherlands: Nuffic and Dutch university non-EU tuition ranges; Studyinnl living-cost guidance.
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Last updated 2026-05-10