Child Education Fund Planner
Calculate how much to save monthly so you can fully fund your child's college education — inflation-adjusted.
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How this calculator works
Education costs in India are inflating at 10–12% per year — far above general CPI. An IIT/IIM that costs ₹15L today will cost ₹40–50L in 10 years. This calculator projects future education costs and tells you how much to invest monthly to be fully prepared.
Future cost = Current cost × (1 + education inflation)^years | Monthly SIP needed = Future cost × r / [(1+r)^months − 1]
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Education inflation is 10–12%
Use at least 10% inflation rate for education costs — historically it has been higher than CPI.
Sukanya for daughters
If your child is a girl, Sukanya Samriddhi Yojana offers 8.2% tax-free returns — superior to FD and PPF for this goal.
Start a dedicated SIP
Open a separate SIP account tagged specifically for education — don't mix it with other goals.
Frequently Asked Questions
Use at least 10% inflation rate for education costs — historically it has been higher than CPI.
If your child is a girl, Sukanya Samriddhi Yojana offers 8.2% tax-free returns — superior to FD and PPF for this goal.
Open a separate SIP account tagged specifically for education — don't mix it with other goals.