Calculator
Child education planner
A ₹25L degree today is ~₹78L in 12 years. Start the SIP.
₹24,348/mo
- Degree will cost then₹78.46 L
- You invest in total₹35.06 L
Hover any bar for the yearly breakup.
Education inflation (~10%) outruns CPI — a ₹25L degree today costs ~₹78L in 12 years. Start the SIP early; shift to debt 2–3 years before admission.
What this calculator answers
A degree costing ₹25,00,000 today is projected at about ₹78.46 lakh in 12 years at 10% education inflation, which needs a monthly investment of about ₹24,348 at a 12% return. Enter the cost today and the years to admission to see the future cost and the SIP it takes.
How it is calculated
The cost is first inflated at the education-inflation rate, then the reverse-SIP formula solves the monthly instalment needed to reach that future target at the expected return.
Education inflation defaults to 10% a year because tuition and hostel costs run ahead of general CPI; both the inflation and the return are adjustable.
Common questions
Why is education inflation assumed higher than general inflation?
Education costs have historically risen faster than general prices, so this planner defaults to 10% against the 6% used elsewhere on the site. You can lower it.
Should the fund stay in equity until admission?
Many families shift the corpus to debt two to three years before admission so a market fall cannot hit the fee payment date. This calculator solves the saving target, not that glide path.
What if I start later?
The required monthly investment rises on two counts — a larger inflated target and fewer years to build it. Re-run the same goal over a shorter period to see what each missed year costs.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.