EB-5 Opportunity Cost Calculator

Should you invest $800K in EB-5, or wait for your GC via other means? Purely on financial sense.

Disclaimer: This is a decision-support tool, not financial or immigration advice. Every situation is unique. Consult qualified professionals. The creator is not responsible for decisions made using this tool.

💰 EB-5 Investment

Investment Month

Investment Year

Attorney & Filing Fee

RC Admin Fee

Other Fees

Total Deployed ($800K + fees) $830,000

🏦 RC Return

RC Return (Simple % / yr)Simple interest on $800K. Check your PPM.

When do you get $800K back?

GC via EB-2/3/1A (without EB-5)

When would you get GC without EB-5?

🏗️ Funding Source

Part from loan (HELOC / Margin)

Loan: $400,000

Loan: 50%Cash: 50%

Loan APR (%)

Repay date

Collateral keeps appreciating

Collateral Growth (%)

🎯 Additional Earning Potential

I can earn more with work freedom

With EAD+AP you can freelance, start a business, join a better company, or pursue any opportunity without visa constraints. Set when you plan to start.

Start earning (EB-5 path)

When you get EAD+AP (~6-12mo after filing)

Start earning (non-EB-5 path)

When you'd get GC without EB-5 (EB-2/3/1A)

Starting Annual Income

Growth (% / yr)

🧘 Peace of Mind & Freedom

Assign value to stability and freedom

Travel freedom and stamping relief start from EAD+AP. Full peace of mind kicks in after GC. Set dates based on your timeline.

EAD+AP date (travel + stamping relief starts)

~6-12 months after filing

GC date via EB-5 (full peace starts)

~1-5 years after filing

Travel freedom ($ / trip)

Trips / year

Stamping cost saved ($)

Every X years

Peace of mind after GC ($ / yr) Permanent status, no renewal, no uncertainty

Intangible growth (% / yr) Value of freedom grows as career grows

How it works: Travel + stamping savings apply from EAD+AP date to your EB-2/3 GC date. Peace of mind applies from EB-5 GC date to EB-2/3 GC date. All grow at your chosen rate annually.

📈 Projection

Look ahead: 15 years

Market Return: 7% compound

End date:

📊 Result

-

Path A: No EB-5 (EB-2/3/1A)

Path B: Invest in EB-5

This shows the financial picture. Many choose EB-5 for stability and reduced stress even when numbers don't favor it. Only you can decide what peace of mind is worth.