How much extra should I keep aside for unexpected costs during my MS in the USA?

Keeping an extra 5% to 10% of your total budget is sensible for an MS in the USA. On a planned cost of USD 60,000 (approx INR 57.64 L), that means holding roughly USD 3,000 to 6,000 (approx INR 2.88 to 5.76 L) for surprises. A separate 5% currency buffer can also help.

Buffer on a Sample Budget

Where Surprises Usually Come From

• A weaker rupee raises the cost of large tuition payments, so a 5% currency buffer helps
• Universities may revise tuition and mandatory fees each year
• Course-related items such as a laptop can cost USD 700 to 2,000 (approx INR 67,249 to 1.92 L), and software or lab access may cost extra

My Advice

Add the buffer to your plan from the start instead of treating it as a bonus. Since tuition payments are large, even a small change in the exchange rate can matter. Check whether your course needs a laptop or special software, and price those items early.