Child Education Calculator
Plan for your child's higher education — see the future cost and the monthly SIP needed to fund it.
Future Cost
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Monthly SIP Needed
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Or One-time Lumpsum Today
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How the child education calculator works
Enter what the course would cost today, when your child will need it, the rate at which education costs rise, and your expected investment return. The calculator inflates the cost to the target year, then works out the monthly SIP (or a one-time lumpsum) needed to reach it.
A goal you can't postpone
Unlike retirement, an education goal has a hard deadline — your child turns 18 on schedule. That makes early, disciplined investing essential. As the goal nears, gradually move the accumulated corpus from equity to safer debt so a market dip in the final year doesn't derail admission.
Frequently Asked Questions
Why plan for child education early?
Education costs in India have been rising faster than general inflation — often 8–10% a year. A course that costs ₹20 lakh today could cost ₹50 lakh+ in 15 years. Starting a dedicated SIP early lets compounding do the heavy lifting instead of your cash flow.
How does this calculator work?
It inflates today's education cost to the year your child needs it, then calculates the monthly SIP required to reach that future amount at your expected investment return.
Which education-inflation rate should I use?
Higher education inflation in India is commonly estimated at 8–10%, higher than the ~6% general rate. Overseas education adds currency risk. Being slightly conservative (a higher rate) builds a buffer.
Where should I invest for this goal?
For goals 7+ years away, equity mutual funds via SIP are commonly used for growth, shifting gradually to debt as the goal nears to protect the corpus. This is educational guidance, not personalized advice.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.