Techie shares how his friend went from Rs 3-4 lakh to Rs 90 lakh yearly savings after master’s in US

Techie's friend funded U.S. master’s through a loan and boosted savings from Rs 3–4 L to $100K. (Image credit: Representational image)

• Techie saved Rs 3–4 lakh yearly in India, then pursued MS in US
• Earned Rs 1.32 crore salary post-MS, repaid loan in 20 months
• Now saves Rs 90.7 lakh yearly, sparking debate on social media

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A techie pursuing a master’s in the U.S. shared his friend’s experience, showing how studying abroad became a financial turning point compared to savings in India.

Sharing on X, Abhishek Singh explained how his friend worked in Bengaluru, making roughly Rs 18 lakh a year.

After covering rent, family expenses, and flights home, the friend could save only around Rs 3–4 lakh per year.

Singh shared that his friend moved to the United States for two years to pursue a master’s degree, with a total cost of about Rs 68 lakh, including Rs 49.9 lakh in tuition fees and about Rs 18.1 lakh in living expenses. Most of it was financed through an education loan.

“He lived like a student for 18 months: rent with roommates,” Singh wrote.

He secured his first job post-graduation, earning Rs 1.32 crore as a base salary and a bonus of around Rs 13.6 lakh in a mid-cost city.

He took home approximately Rs 74.5 lakh per year, or about Rs 6.2 lakh per month, after taxes.

To pay off his loan faster, he lived frugally for 18 months, sharing an apartment with roommates and keeping expenses low.

My friend was in Bangalore making ~₹18 LPA. Rent + family + flights home, he barely saved ₹3–4L/year.

He went to the US for MS (2 years). Total cost was ~$75k (tuition ~$55k, living ~$20k). Took a loan for most of it. First job: $145k base + ~$15k bonus in a MCOL city (not… https://t.co/SKSNRRYNQX — Abhishek Singh (@0xlelouch_) February 20, 2026

He managed to clear his loan in 20 months by paying nearly Rs 3.63 lakh monthly. Currently, he saves almost Rs 90.7 lakh a year, investing in retirement and index funds, while spending Rs 40.8 lakh a year, or about Rs 3.63 lakh per month, on living costs.

“If you think MS is always a bad choice, run the math for your case before rejecting it,” Singh adds.

Social media reactions:

One user wrote, “Those who get Rs 1.32 crore base + Rs 13.6 lakh bonus right out of MS are probably in the top 5% of all Indians doing MS.”

Another X user said, “The math does not add up. More than 70% of my batchmates work in the US, and these numbers are too good to be true. Average taxes in the US, barring exception states, are in the range of 25–30%, and then you add living expenses, and then the balance would be savings.”

A third user added, “You narrated the happiest path of an MS student. Who is going to tell horror stories that crashed middle-class families back home if it didn't go as a picture-perfect plan?”