Parent Decision Report

MS in Computer Science

University of Toronto · Canada · Fall 2026

For

Priya M.

Sample · illustrative only

Family verdict

Worth considering — strong on cost, safety and outcomes.

This program fits the family budget, has clear post-study work pathways, and ranks well on safety. The main open item is visa readiness — the SOP needs strengthening before filing.

At a glance — six-factor trade-offs

Admission chance
Strong
Sample student's profile (CGPA 8.4, GRE 322, two internships) is above the median admit for the chosen program.
Cost
High
Total investment ₹65.6L runs ~₹20.6L above the family's ₹45L ceiling.
ROI
Strong
Payback in 4.8 years on a CAD 78k median graduate salary; 10-year net value ≈ CAD 612k above the no-study baseline.
Visa complexity
Medium
Canada SDS — fast lane if funds & GIC are in order; SOP and study-plan still need strengthening.
Safety
Strong
Toronto Numbeo safety index 65/100, consistent across recent student forum surveys.
Scholarship possibility
Medium
OGS + Vector Institute scholarships open in March; deadlines ~4 weeks out at the time of this sample.

Compare with

Safer admit option Lower-cost option Better ROI option Lower visa-complexity option Stronger scholarship-fit

Seven-factor breakdown

Tuition budget fit

Good

Tuition ₹39.4L over 2 years sits inside the family's stated ceiling of ₹45L.

Total investment fit

Needs discussion

Total investment ₹65.6L (tuition + living + setup) is ~₹20.6L above the family's ₹45L ceiling. Either revisit the ceiling, target scholarships, or compare a lower-cost program.

Payback period

4.8 years

Median CS new-grad salary in Toronto: CAD 78,000 (StatsCan 2025).

Safety

Good

Toronto Numbeo safety index 65/100; consistent rating across student forums.

Job market

Strong

PGWP up to 3 years post-graduation; CS new-grad placement >85% within 6 months.

Visa readiness

Medium risk

SDS funds (CAD 22,895) confirmed in GIC. Statement of purpose still needs work.

Scholarship fit

Worth applying

OGS and Vector Institute scholarships open in March; deadline 4 weeks out.

Family verdict

Worth discussing

Strong on safety, payback and outcomes. Two open items: total investment is above the stated ceiling, and visa SOP needs work.

Cost breakdown

Tuition (2 years)	CAD 64,000	≈ ₹39.4L
Living (Toronto, 24 months)	CAD 38,400	≈ ₹23.6L
One-time setup (visa, insurance)	CAD 4,200	≈ ₹2.6L
Total investment	CAD 106,600	≈ ₹65.6L

10-year ROI snapshot

Expected starting salary

CAD 78,000 / year

5-year earnings

CAD 470,000

Break-even year

Year 4.8 post-graduation

Net value vs no-study

≈ CAD 612,000 above the no-study baseline

Open items & risk flags

SOP needs strengthening to reduce SDS rejection risk — flagged by SOP Assistant.

Toronto rent has risen 11% YoY — budget assumes a shared 2BR within 30 min commute.

Funds proof, transcripts, IELTS 7.0 already secured.

Source proof

Tuition fee:: Official university page
Living cost (Toronto):: Numbeo + city benchmarks
Salary projection:: StatsCan + market benchmarks
Visa requirements:: Canada IRCC official portal
Last verified:: 1 May 2026

Missing fields are shown blank, never estimated.

Open the official source

Illustrative sampleon the entire report — sample student, not a real case·AI estimateon payback, ROI & 10-year projection

Next best action

Compare this offer with a lower-cost program in the same field