Education Fund · Inflation · SIP Planning

Education Fund
Plan your child’s future

Calculate the real future cost of engineering, medical, MBA, and overseas education. Then build the right SIP or investment plan to reach that goal — completely free and private.

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₹25L
📚 Current Cost
₹1.1Cr
📈 Future Cost
₹12K
💰 Monthly SIP
₹0L
📊 Gap (if any)
Interactive

Plan your education corpus

Adjust the sliders — see the future cost and required SIP update in real time.

🎛️
Your education planDrag to see the impact
Current cost of education (₹)25,00,000
Years to go16
Education inflation (%)8%
Expected return on investments (%)10%
Existing savings (₹)0
Plan on track
📚 Future cost₹1.1Cr
💰 Required monthly SIP₹12,000
📊 Gap (if any)₹0
💡 Insight: With 8% inflation, your ₹25L cost becomes ₹1.1Cr in 16 years. A monthly SIP of ₹12,000 at 10% can achieve this.
📊
Visual comparisonLive updates with every slider move
📈Cost Growth vs Savings
Gold: Current cost · Blue: Future cost
📊Monthly SIP Required
See how much you need to save each month to reach the goal.
📖
Your education planBased on your current slider values
  • Current cost: ₹25,00,000. After 16 years at 8% inflation, future cost will be ₹1.1Cr.
  • Your existing savings: ₹0. Monthly SIP needed: ₹12,000 at 10% returns.
  • Gap: ₹0. You are on track to fully fund the education.
  • Key consideration: Start early and increase your SIP by 10% every year to beat inflation. Track actuals in the Wealth Wallet.
✅
Education savings best practices for India
  • Start early — the earlier, the better. A ₹25 lakh goal in 16 years needs ₹12,000/month at 10% returns. Wait 5 years and it jumps to ₹22,000/month.
  • Use the right investment vehicle. Equity mutual funds for long-term (10+ years), debt funds for short-term (3–7 years), and PPF/SSY for guaranteed returns with tax benefits.
  • Avoid loans as first resort. Education loans should be a backup, not the primary plan. Interest rates (8–12%) eat into post-graduation income.
  • Consider education inflation separately. General CPI inflation is 4–5%, but education costs rise at 6–8% annually. The simulator uses this differential.
  • Add a buffer for lifestyle and travel. Hostel, food, travel, and extracurricular expenses can be 30–50% of tuition. Include them in your target.
  • Review annually. As your salary grows, increase your SIP. A 10% step-up every year halves the time to reach the goal.
  • Protect the plan. Buy adequate term insurance so your child’s education is secure even if something happens to you.

💡 Run the numbers in real context

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Frequently asked questions

education inflationSIPPPFSukanya Samriddhi
🎓 Education Costs & Inflation
If current cost is ₹25 lakh and education inflation is 8%, it will be about ₹1.1Cr. The simulator adjusts for inflation and shows the exact SIP you need.
Engineering: ₹15–25 lakh (4 years), Medical: ₹35–50 lakh (5.5 years), IIM MBA: ₹25–30 lakh (2 years), B.Sc. general: ₹2–5 lakh. These are representative figures for good private institutions in 2026.
💰 Investment & Tax
For goals 10+ years away: equity mutual funds (large-cap, flexi-cap) offer the best potential returns (10–12%). For 3–7 years: debt funds or balanced advantage funds. Mix PPF/SSY for guaranteed, tax-free returns. The simulator shows the required SIP for your exact goal amount.
Sukanya Samriddhi Yojana (SSY) is specifically for girl children and offers a slightly higher interest rate (currently 7.6% vs PPF’s 7.1%). Both are EEE (tax-free). For long-term education goals, blend equity (for higher returns) with SSY/PPF (for safety and tax guarantee).
📊 Using the Simulator
Enter your child’s current age, target course, and your current savings. The tool inflates today’s cost to the year of admission, calculates the required corpus, and tells you the monthly SIP needed. It updates dynamically when you adjust any input.
Use the Wealth Wallet to record all your education‑specific investments. The simulator shows the gap between where you are and where you need to be. Regular tracking ensures you stay on course.

Your child’s dream deserves
a solid plan, not a loan.

Build the education fund with the Simulator. Then track assets, expenses, and net worth with the four wallets. One system. Every layer.

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