Inflate tuition and living costs separately.
Child Education Cost Planner
Inflate education cost and solve the monthly investment required. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Required monthly investment₹19,367Updates instantly as you edit
Projected total contributions₹30.89 L
Required investment growth₹32.07 L
Future education cost₹62.95 L
Projection journeyHover to inspect a year
Education inflation, currency, course and living costs can differ. Combine suitable assets and reduce market risk as admission approaches.
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Five smart nudges
Use the result with context.
Do not use retirement money as education savings.
Stress a lower return and higher fee inflation.
Combine stable and growth assets deliberately.
De-risk several years before admission.
Understanding Child Education in India
Editorially reviewed 13 July 2026 · Rules and assumptions can change
Inflate the actual education goal
A ₹25 lakh course today costs about ₹63 lakh after twelve years at 8% inflation. Tuition, living expenses, travel and foreign currency should be modelled separately where relevant.
Starting from today’s fee without inflation is the most common source of underfunding.
Existing savings and monthly requirement
Only money earmarked for education belongs in existing savings; emergency funds and retirement EPF should not be counted. The calculator compounds those savings and solves the remaining monthly amount.
Run lower-return and higher-inflation scenarios. A plan that succeeds only at 12% has little safety margin.
Sukanya, SIP and de-risking
Sukanya can form a stable dedicated bucket for an eligible daughter, while market-linked SIPs can provide growth with volatility. Products solve different liquidity and risk needs.
Reduce market dependence several years before admission and preserve a liquid amount for deposits, visas and first-semester expenses.
Official sources used for this guide
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
Child Education calculator FAQs
What inflation rate should education use?
Use current course evidence and stress a range; education may outpace general CPI.
Can Sukanya fund the full goal?
It may fund part; compare its projected maturity with the inflated total cost.
Should retirement assets be counted?
Usually keep retirement separately funded.
When should equity risk reduce?
Progressively as a non-negotiable admission date approaches.