MBA Calculator - DSLA
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ENTER INFO BELOWSUMMARYBREAK-EVEN POINT CALCULATORSTUDENT LOAN AMORTIZATION
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PERSONAL INFOSUGGESTED VALUETOTAL OUT OF POCKET COSTSBenchmarkMBAREVIEWMonthPayment
Amount
InterestCumulative InterestPrincipalPrincipal PaidBalance
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MBA Starting Year20192019 Loans $ 30,000 YearAge
Pre-Tax Income
Take-Home Pay
Lifetime Earnings
Pre-Tax Income
Take-Home Pay
Out of pocket Costs
TTL Loan Interest
Lifetime Earnings
Break-Event Point
$30,000
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MBA Starting Age2727 Paid with Own Savings $ - 201927$65,000$47,450$47,450$2,000$1,460 (47,450)1$348$175$175$173$173$29,827
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Number of Years in School22TOTAL $ 30,000 202028$66,950$48,874$96,324$33,333$24,333-$30,000-$11,799 (16,006) (112,329)2$348$174$349$174$348$29,652
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202129$68,959$50,340$146,663$105,000$76,650 60,644 (86,019)3$348$173$522$175$523$29,477
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SALARYASSUMPTIONS202230$71,027$51,850$198,513$108,150$78,950 139,594 (58,919)4$348$172$694$176$699$29,301
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Pre-MBA Salary $ 65,000 $85,000 Salary Increase 3%202331$73,158$53,405$251,918$110,000$73,700 213,294 (38,625)5$348$171$865$177$877$29,123
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MBA Summer Intenship Salary $ 9,000 $28,000
# of months worked same yr of graduation
4202432$75,353$55,008$306,926$113,300$75,911 289,205 (17,721)6$348$170$1,035$178$1,055$28,945
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Signing Bonus $ 2,000 $30,000202533$77,613$56,658$363,584$116,699$78,188 367,393 3,809 7$348$169$1,204$179$1,235$28,765
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Post-MBA 1st Year Base $ 100,000 $145,000INTEREST PAYMENTS202634$79,942$58,358$421,941$120,200$80,534 447,927 25,986 8$348$168$1,371$181$1,415$28,585
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Post-MBA 1st Year Bonus $ 5,000 $40,000Loan Amount $ 30,000 202735$82,340$60,108$482,050$123,806$82,950 530,877 48,828 9$348$167$1,538$182$1,597$28,403
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Post-MBA 3rd Year Base $ 100,000 $180,000Monthly Payment $ 348 202836$84,810$61,911$543,961$127,520$85,438 616,316 72,355 10$348$166$1,704$183$1,779$28,221
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Post-MBA 3rd Year Bonus $ 10,000 $80,000Interest if paid in 120 months $ 11,799 202937$87,355$63,769$607,730$131,346$88,002 704,317 96,587 11$348$165$1,868$184$1,963$28,037
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Interest if paid in 120 months $ 11,799 203038$89,975$65,682$673,412$135,286$90,642 794,959 121,547 12$348$164$2,032$185$2,148$27,852
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MBA COSTS203139$92,674$67,652$741,064$139,345$93,361 888,320 147,256 13$348$162$2,194$186$2,334$27,666
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2 Years of Tution + Living Costs
$ 30,000 $220,000TTL TRUE COSTS203240$95,455$69,682$810,746$143,525$96,162 984,482 173,736 14$348$161$2,356$187$2,521$27,479
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Scholarship $ - $74,000
2 yrs of foregone income (post-tax)
$ 96,324 203341$98,318$71,772$882,518$147,831$99,047 1,083,528 201,010 15$348$160$2,516$188$2,709$27,291
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Loans $ 30,000 $87,000 Out of Pocket Costs $ 30,000 203442$101,268$73,926$956,444$152,266$102,018 1,185,546 229,102 16$348$159$2,675$189$2,898$27,102
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Paid with Own Savings $ - Interest if paid in 120 months $ 11,799 203543$104,306$76,143$1,032,587$156,834$105,079 1,290,625 258,038 17$348$158$2,833$190$3,088$26,912
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TOTAL $ 126,324 203644$107,435$78,428$1,111,015$161,539$108,231 1,398,856 287,841 18$348$157$2,990$191$3,279$26,721
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TAXES (Fed + State) + 8% 401K203745$110,658$74,141$1,185,156$166,385$111,478 1,510,334 325,178 19$348$156$3,146$192$3,472$26,528
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Salary Range$ Withheld203846$113,978$76,365$1,261,521$171,376$102,826 1,613,160 351,638 20$348$155$3,301$194$3,666$26,334
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11000027%27%21$348$154$3,455$195$3,860$26,140
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17000033%33%22$348$152$3,607$196$4,056$25,944
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23100040%40%23$348$151$3,758$197$4,253$25,747
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>23100044%44%24$348$150$3,909$198$4,451$25,549
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25$348$149$4,058$199$4,650$25,350
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STUDENT LOAN26$348$148$4,206$200$4,851$25,149
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Interet Rate7.00%7%27$348$147$4,352$202$5,053$24,947
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Length (in months) 120 12028$348$146$4,498$203$5,255$24,745
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Expected # of months to pay off
120 6029$348$144$4,642$204$5,459$24,541
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30$348$143$4,785$205$5,664$24,336
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31$348$142$4,927$206$5,871$24,129
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32$348$141$5,068$208$6,078$23,922
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33$348$140$5,208$209$6,287$23,713
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34$348$138$5,346$210$6,497$23,503
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35$348$137$5,483$211$6,708$23,292
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36$348$136$5,619$212$6,921$23,079
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37$348$135$5,753$214$7,135$22,865
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38$348$133$5,887$215$7,350$22,650
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39$348$132$6,019$216$7,566$22,434
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40$348$131$6,150$217$7,783$22,217
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41$348$130$6,279$219$8,002$21,998
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42$348$128$6,408$220$8,222$21,778
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43$348$127$6,535$221$8,443$21,557
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44$348$126$6,661$223$8,666$21,334
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45$348$124$6,785$224$8,890$21,110
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46$348$123$6,908$225$9,115$20,885
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47$348$122$7,030$226$9,341$20,659
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48$348$121$7,150$228$9,569$20,431
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49$348$119$7,270$229$9,798$20,202
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50$348$118$7,387$230$10,029$19,971
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51$348$116$7,504$232$10,261$19,739
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52$348$115$7,619$233$10,494$19,506
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53$348$114$7,733$235$10,728$19,272
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54$348$112$7,845$236$10,964$19,036
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55$348$111$7,956$237$11,202$18,798
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56$348$110$8,066$239$11,440$18,560
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57$348$108$8,174$240$11,680$18,320
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58$348$107$8,281$241$11,922$18,078
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59$348$105$8,387$243$12,165$17,835
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60$348$104$8,491$244$12,409$17,591
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61$348$103$8,593$246$12,655$17,345
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62$348$101$8,694$247$12,902$17,098
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63$348$100$8,794$249$13,150$16,850
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64$348$98$8,892$250$13,400$16,600
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65$348$97$8,989$251$13,652$16,348
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66$348$95$9,085$253$13,905$16,095
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67$348$94$9,179$254$14,159$15,841
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68$348$92$9,271$256$14,415$15,585
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69$348$91$9,362$257$14,673$15,327
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70$348$89$9,451$259$14,931$15,069
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71$348$88$9,539$260$15,192$14,808
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72$348$86$9,626$262$15,454$14,546
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73$348$85$9,710$263$15,717$14,283
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74$348$83$9,794$265$15,982$14,018
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75$348$82$9,876$267$16,249$13,751
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76$348$80$9,956$268$16,517$13,483
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77$348$79$10,034$270$16,787$13,213
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78$348$77$10,111$271$17,058$12,942
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79$348$75$10,187$273$17,331$12,669
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80$348$74$10,261$274$17,605$12,395
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81$348$72$10,333$276$17,881$12,119
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82$348$71$10,404$278$18,159$11,841
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83$348$69$10,473$279$18,438$11,562
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84$348$67$10,540$281$18,719$11,281
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85$348$66$10,606$283$19,001$10,999
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86$348$64$10,670$284$19,286$10,714
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87$348$63$10,733$286$19,571$10,429
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88$348$61$10,794$287$19,859$10,141
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89$348$59$10,853$289$20,148$9,852
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90$348$57$10,910$291$20,439$9,561
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91$348$56$10,966$293$20,732$9,268
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92$348$54$11,020$294$21,026$8,974
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93$348$52$11,072$296$21,322$8,678
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94$348$51$11,123$298$21,619$8,381
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95$348$49$11,172$299$21,919$8,081
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96$348$47$11,219$301$22,220$7,780
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