Investment
Child Education Planner
Inflates today's education cost to the year your child needs it, then works out the monthly SIP required to fund the gap.
Your details
₹
yrs
yrs
%
Education costs typically outpace general inflation — many planners use 8–10%.
%
₹
Required monthly SIP
₹22,091
Future cost of the course
₹76,64,512
A course costing ₹25,00,000 today will cost about ₹76,64,512 in 13 years. Investing ₹22,091/month closes the gap.
Total₹76,64,512
- Covered by existing savings₹0
- Needs new monthly SIP₹76,64,512
How this is calculated
Future cost = today's cost × (1 + education inflation)^years to goal. Required monthly SIP = (future cost − future value of existing savings) ÷ SIP future-value factor for the expected return and years to goal.
Frequently asked questions
Why use a higher inflation rate for education?
Tuition, especially for professional courses and study abroad, has historically risen faster than general consumer inflation — 8–10% is a commonly used planning assumption, though it varies by course and institution.
What if I'm planning for multiple children?
Run this calculator once per child (and per goal, if you're separately planning for undergrad and postgrad), since each has its own timeline and cost.
Should I use debt or equity for this goal?
For a goal more than 7–10 years away, equity-oriented funds are commonly used for the early years, shifting to safer debt instruments as the goal approaches — similar to how retirement glide paths work.