Planning
Education Planning Calculator
Calculate how much to save for child's education
Popular Calculators
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₹
Yrs
Yrs
%
%
Results
Annual Cost at Start—
Total Fund Needed—
Monthly SIP Required Now—
SIP Invested
Growth
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹5L/year cost, 10 years away, 4-year course, 10% edu inflation, 12% return | Fund needed: ₹68L, SIP: ₹20,500/month |
How It Works
Formula, methodology and key concepts explained
Education in India is inflating at 10–12% annually. This calculator computes the total corpus needed for your child's education (accounting for inflation across all years of the course) and the monthly SIP required to build that corpus.
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Frequently Asked Questions
Common questions about Education Planning Calculator
- Education cost inflation in India runs at 10–12% annually — much faster than general inflation. An engineering course costing ₹5 lakh/year today may cost ₹13–20 lakh/year in 10 years.
- For 10+ year horizons: equity mutual funds (SIP) offer the best returns. For 5–8 years: balanced hybrid funds or a mix of equity and debt. Sukanya Samriddhi (for girls) and PPF offer safe alternatives with tax benefits.
Key Numbers to Know
Benchmark figures for Planning planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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