Calculator
Child Education Calculator
This inflates the cost of a course to the year your child actually needs it, then works out the monthly investment that reaches that figure. Today’s fee is the least useful number in the conversation, because nobody is paying it in the year that matters.
Education costs have historically outpaced general inflation, so headline CPI understates this.
A long-run assumption, not a promise. Markets do not deliver a constant rate.
Cost in the year they need it
Cost in the year they need it:₹50,36,340
- Invest this each month
- ₹15,629
- Total you will put in
- ₹22,50,514
Ends at ₹50.36 L after 12 years
See the figures as a table
| Year | You invest | Value |
|---|---|---|
| 1 | ₹1,87,543 | ₹2,00,191 |
| 2 | ₹3,75,086 | ₹4,25,772 |
| 3 | ₹5,62,628 | ₹6,79,962 |
| 4 | ₹7,50,171 | ₹9,66,390 |
| 5 | ₹9,37,714 | ₹12,89,144 |
| 6 | ₹11,25,257 | ₹16,52,831 |
| 7 | ₹13,12,800 | ₹20,62,643 |
| 8 | ₹15,00,343 | ₹25,24,429 |
| 9 | ₹16,87,885 | ₹30,44,781 |
| 10 | ₹18,75,428 | ₹36,31,127 |
| 11 | ₹20,62,971 | ₹42,91,836 |
| 12 | ₹22,50,514 | ₹50,36,340 |
What this assumes
Every calculator here states what it took for granted. A result whose assumptions are hidden is not worth much.
- The course cost rises at the education inflation rate you set, every year.
- The whole cost is needed in one year; a multi-year course spreads it, which helps.
- No existing savings earmarked for this goal are counted.
How to use it
- Enter what the course costs a family paying for it today.
- Set the years until your child starts it.
- Keep education inflation above general inflation, then check a higher figure too.
Illustrative only. Not a projection, not a guarantee, and not investment advice.
Common questions
What education inflation rate should I use?
Education costs in India have historically risen faster than general inflation, so using headline CPI understates the target. Run the number at your assumption and again two or three percent higher, and plan against the higher one.
My child starts in three years. Is it too late?
Not too late, but the plan changes shape. Over a short horizon the contribution does nearly all the work and market returns cannot be relied on, so the sensible answer usually involves safer instruments and a larger monthly figure.
A number is not a plan.
If this result raised a question, that is the useful part. Bring it in and we will work through what it means for your situation.