Child Education Plan
Future Education Corpus
Beat 10% Inflation
Calculate the exact corpus needed for your child's education after accounting for 10–12% education inflation. Find the monthly SIP to reach your goal comfortably.
Child Education Plan Calculator
Future education corpus with 10–12% education inflation
Education Planning at a Glance
Why starting early makes a massive difference
Child Education Planning Guide
A systematic approach to building your child's education fund
Why Start at Birth?
Compounding rewards patience. Starting at birth vs age 5 means ₹8,500/mo instead of ₹15,000/mo for the same goal at 12% return. 5 extra years of compounding halves the monthly requirement. Every year of delay costs dearly.
Best Instruments
- Equity Index Fund SIP: Best for 10yr+ horizon (12–15%)
- SSY: For girl child — 8.2% tax-free, government-backed
- PPF: Safe component with EEE tax status
- Avoid: Child insurance plans — high charges, low returns
How Much to Save
Protect the Goal
- Buy term insurance equal to education target
- Waiver of premium rider — SIP continues if disabled
- Keep education fund separate from other savings
- Review every 2–3 years and step up SIP
- Diversify: equity SIP + SSY + partial debt
Set Target
Future cost with 10% inflation
Start SIP Early
Equity index fund
Step Up Annually
Increase SIP by 10%/yr
Buy Term Cover
Protect the goal
Frequently Asked Questions
Child education planning questions answered
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