A 10-month INSEAD MBA forgoes half the salary of a 21-month US M7 — but where you can actually land afterward differs radically. Generic ROI calculators miss three mechanics this tool models explicitly: the opportunity-cost asymmetry (months out of work is permanent, not a rounding error), the career-switch feasibility gate (no summer internship on any 1-year path makes a double switch — industry and function — materially harder1), and the geo-placement gate (INSEAD places <10% of its class in the US3; targeting US salaries through a European 1-year program is a probability bet, not a default).