Child Education Planner
Plan your child's education with real cost projections and monthly SIP targets. India's most comprehensive tool with 9 education stream presets and abroad-study scenarios.
Your Plan Details
Optional — personalises the plan and PDF
When your child starts undergraduate studies
Typical India: 9-10% p.a.
Already saved for child's education (up to ₹10 Cr)
Increase your SIP by this percentage every year. Typical: 10%.
To reach ₹34.52 L in 13 years
Your Education Plan
Future cost of Engineering
₹34.52 L
In 13 years at 10% p.a. education inflation
Monthly SIP (recommended)
₹5,975
With 10% annual step-up
Lumpsum Today (alternative)
₹7.91 L
Invested today at 12% p.a.
Three Ways to Reach the Goal
Compare flat SIP, step-up SIP, and a one-time lumpsum today
Flat SIP
₹9,275
Same amount every month
Step-up SIP (10%)
₹5,975
Start lower, grow with your income
Lumpsum Today
₹7.91 L
One-time investment now
Corpus Accumulation Path
Year-by-year growth of existing corpus + SIP contributions vs. target cost
Year-by-Year SIP Breakup
Exact monthly SIP and corpus build-up with 10% annual step-up for your child.
| Year | Child's Age | Monthly SIP | Annual Invest | Cumulative Invested | Corpus (EOY) |
|---|---|---|---|---|---|
| Yr 1 | 6 | ₹5,975 | ₹71,695 | ₹71,695 | ₹71,695 |
| Yr 2 | 7 | ₹6,572 | ₹78,864 | ₹1.51 L | ₹1.59 L |
| Yr 3 | 8 | ₹7,229 | ₹86,751 | ₹2.37 L | ₹2.65 L |
| Yr 4 | 9 | ₹7,952 | ₹95,426 | ₹3.33 L | ₹3.92 L |
| Yr 5 | 10 | ₹8,747 | ₹1.05 L | ₹4.38 L | ₹5.44 L |
| Yr 6 | 11 | ₹9,622 | ₹1.15 L | ₹5.53 L | ₹7.25 L |
| Yr 7 | 12 | ₹10,584 | ₹1.27 L | ₹6.80 L | ₹9.39 L |
| Yr 8 | 13 | ₹11,643 | ₹1.40 L | ₹8.20 L | ₹11.91 L |
| Yr 9 | 14 | ₹12,807 | ₹1.54 L | ₹9.74 L | ₹14.88 L |
| Yr 10 | 15 | ₹14,088 | ₹1.69 L | ₹11.43 L | ₹18.36 L |
| Yr 11 | 16 | ₹15,496 | ₹1.86 L | ₹13.29 L | ₹22.42 L |
| Yr 12 | 17 | ₹17,046 | ₹2.05 L | ₹15.33 L | ₹27.16 L |
| Yr 13UG | 18 | ₹18,751 | ₹2.25 L | ₹17.58 L | ₹32.66 L |
| Total | ₹17.58 L | ₹32.66 L |
Cost of Delaying
Every year you delay, the required monthly SIP rises sharply. Time in market is your biggest ally for child education goals.
Delay by 1 year
₹7,187
Only 12 years left
+₹1,212/mo (20% higher)
Delay by 3 years
₹10,631
Only 10 years left
+₹4,656/mo (78% higher)
Delay by 5 years
₹16,380
Only 8 years left
+₹10,405/mo (174% higher)
Delaying 5 years means ₹10,405 extra every month
Starting today lets compounding do the heavy lifting. Even a modest SIP of ₹5,975 now beats a scramble later. A Relationship Manager can help you pick the right equity mix and rebalance as your child approaches college age.
Want a personalised education plan for your child?
Share your contact — your Relationship Manager will build a goal-based plan with the right fund mix, SIP structure, and milestone reviews. Zero obligation.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Funding your child’s education — the number inflation quietly multiplies
Education is often a family’s largest goal after a home, and it has an uncomfortable feature: education inflation in India has historically run higher than general inflation. A professional degree that costs a certain amount today can cost far more by the time your child reaches college in 12–18 years — so planning in today’s fees badly understates what you will actually need.
This calculator grows today’s education cost by an inflation rate to your child’s college year, then works back to the monthly investment needed to get there given an expected return. The single biggest lever is time: starting when your child is young lets compounding do most of the work, so the required monthly amount stays manageable.
How this calculator works
- 1Enter the current cost of the education goal and the number of years until it is needed.
- 2Set an education-inflation rate to project the future cost, and an expected return on your investments.
- 3The calculator shows the future cost and the monthly SIP required to reach it.
Frequently asked questions
How much should I save for my child’s education?
Start from the future cost, not today’s. Take the current fee, grow it by an education-inflation rate (historically higher than general inflation) to the year you’ll need it, then work back to a monthly amount using an expected return. This calculator does that so you get a specific figure rather than a generic target.
What education-inflation rate should I use?
Education costs in India have often risen faster than headline inflation. A cautious plan uses a higher inflation rate for this goal than for general expenses, and it is safer to slightly over-estimate than to fall short when the fees are actually due. Test a couple of rates to see how sensitive the target is.
When should I start investing for it?
As early as possible. Because the goal is years away, starting when your child is young lets compounding carry most of the load, keeping the monthly amount affordable. Starting late means a much larger monthly commitment for the same target.
Illustrative projections based on the rates you enter; actual costs and returns vary and are not guaranteed.
Related Calculators
Explore more tools that pair well with this one
Marriage Planner
Plan a wedding (son or daughter) with gold-inflation-aware projections. Split between Equity SIP and Sovereign Gold Bonds. Now with fixed-₹ or % step-up.
Sukanya Samriddhi Yojana Planner
For girl child under 10 — project SSY corpus at 21 (and 18 for education), compare vs PPF + Equity MF, and see Sec 80C tax savings.
SIP Future Value Calculator
Calculate how much your monthly SIP will grow over time with the power of compounding.
Retirement SIP Planner
Calculate the monthly SIP needed for your retirement corpus.