Child Education Cost Planner
Project school and college milestones separately, then see the monthly SIP needed to fund them.
Problem
Education costs rise quietly until they turn into a very large number.
Promise
Project future school and college costs and estimate the monthly investment needed to stay on track.
Trust note
No login. The planner uses dated benchmark costs and editable inflation and return assumptions.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Child and education path
Planning assumptions
Main answer
₹20,563
You need roughly ₹20,563 per month to target both the school milestone and the college corpus by age 18.
The college goal dominates the plan, but the school-fee milestone matters earlier if your child is still below the school-start stage.
Projected school fee
₹1.8L
Estimated first-year school fee at around age 4.
Projected college corpus
₹93.6L
India private college inflated to age 18.
Current savings projected
₹13.9L
At 11% annual return.
Monthly SIP needed
₹20,563
Assumes 9% education inflation.
Education milestones
Total education goal
₹95.4L
School milestone plus college corpus in future-value terms.
Years to college
14 years
This is the main accumulation runway for the plan.
Current savings gap
₹81.5L
Gap after projecting your current savings forward.
How to read this tool
The most useful part of education planning is not the final future-value number. It is seeing how early small monthly contributions reduce later funding pressure.
This calculator estimates a school-fee milestone and a college corpus so the plan stays tied to real milestones, not just vague saving goals.
Why the result leans this way
Inflation matters more than most people expect
Education inflation compounds over long periods. A small change in the inflation assumption can materially change the final corpus target.
Time is the main advantage
Starting earlier reduces the required monthly SIP much more effectively than trying to catch up in the final few years.
Assumptions and sources
Education benchmarks
School and college benchmark costs are planning estimates with an effective date so they can be refreshed over time.
Effective from 2026-03-01
Frequently asked questions
Why plan school and college separately?
Because they happen on different timelines and respond differently to inflation. School fees hit earlier while college needs a larger terminal corpus.
Can I change the inflation assumption?
Yes. The benchmark tiers include defaults, but the calculator lets you override them so the plan fits your expected education path.
Should I use one portfolio for both goals?
You can, but the planner treats them as two milestones so you can decide later whether to ring-fence the money in separate buckets.
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