Degree Valuation Index · Live
What Is Your Education Actually Worth?
Adjusted for inflation, AI disruption, national debt burden, and your real household
Education Path (market charts)
I am a...
After graduation...
Market Year: 2023
Loan: $30K
Inflation: 3.2%
AI Disruption: 25/100
Job Market: 65/100
Housing Index: 105
Your Degree — Then vs Now
0% = TX/FL/NV · 13.3% = CA (top rate)
20-Yr Degree Value
$530K
NPV after all costs
Bachelor's Earnings
$91K/yr
Median 2023
Annual Premium vs HS
$49K/yr
+119%
After Bills/Loan
+$2K/mo
Positive cash flow
Select your degree field above and click Show My Reality to see what your specific degree was worth at graduation vs today — before and after taxes.
Degree Value Over Time
Bachelor's vs High School Earnings
Purchasing Power Erosion at 3.2% Inflation
Your $91K salary is nominal. Here is what it actually buys over time in today's dollars.
Today
$91K
100% power
Year 5
$78K
85% power
Year 10
$66K
73% power
Year 20
$48K
53% power
Real Purchasing Power After Living Expenses
Bachelor's After Bills
$2K/mo
HS Grad After Bills
-$2K/mo
Degree Advantage
+$49K/yr
Your Credential + Your Character
A degree tells employers what you studied. A Character Profile tells them who you are.
AI is compressing the wage premium on knowledge work. Build the one thing AI can't replicate — a verified behavioral record from real decisions made under pressure in MyBusiness Empire.
Build Your Character Profile →Data sources: BLS Occupational Employment & Wage Statistics 2024 (degree-specific salaries), BLS Current Population Survey (education-level medians), College Board Trends in College Pricing, BLS CPI-U (inflation), JOLTS (job market), S&P/Case-Shiller (housing index), CBO (national debt trajectory), Tax Foundation (state tax rates), IRS Tax Brackets 2024 (federal effective rate estimates), FICA rates per IRS Publication 15. AI exposure: Brookings Institution (2019), McKinsey Global Institute (2023), Frey & Osborne/Oxford University (2017). Not financial or tax advice. Powered by MyBasic LLC · mybusinesstree.com