Goal-based · Inflation-adjusted · SIP planning
Education Fund Master.
Secure your child’s future.
Calculate how much to save monthly for your child’s higher education in India or abroad. Adjust current savings, years to college, expected cost, and inflation to see your target corpus and required SIP instantly. 100% private, no data stored.
✔ 100% Free
✔ No Login
✔ India-First
✔ Real Charts
₹50,00,000
🎯 Target Corpus
₹32,00,000
📊 Projected Corpus
₹8,200/mo
💰 Required SIP
-₹18,00,000
📉 Shortfall
Interactive
Education Goal Planning
Slide to adjust — see corpus and SIP update instantly.
Your education goalSlide to adjust — see corpus and SIP update instantly
Target: ₹50,00,000
📊 Projected corpus₹32,00,000
💰 Required monthly SIP₹8,200
💡 Insight: Start early to let compounding work. A 2-year delay can increase the required SIP by 25-30%.
Corpus ProjectionGreen: Target · Gold: Projected
Target vs Projected Corpus
Green: Target corpus · Gold: Projected corpus
Current vs Required SIP
Blue: Current monthly SIP · Orange: Required SIP
How the Education Fund Simulator WorksThree simple steps to your target number
- Future cost: Adjusted for education inflation (typically 8-10% in India). Even a ₹3L/year course today can become ₹8L+ in a decade.
- Projected corpus: Your current savings + monthly SIP growing at your expected return rate. Use the sliders to model different scenarios.
- Required SIP: The monthly investment needed to bridge any shortfall. This is your action number — start this SIP today.
Your education fund storyBased on current inputs
Education Planning Best PracticesSeven habits that turn projections into reality
What’s Next? Keep Building Your Child’s Future
- After Education Fund → start your SIP with the SIP vs Lumpsum Simulator
- Protect your child’s future → use the Insurance Pro Simulator
- Track all investments → open the Investment Wallet
- See your complete financial picture → check your Wallet Score
Explore More
Education Deep Dive
Everything you need to know about planning, saving, and investing for your child’s higher education.
Education Inflation India: Why 8-10% Matters in 2026
How rising costs impact your savings goal — and what to do about it.
Read →SIP for Child Education: Best Funds & Strategy for Indian Parents
Build a ₹50L+ corpus with disciplined monthly investments.
Read →Education Loan vs Savings: Which Is Better for Your Child?
Compare interest costs vs opportunity loss — the numbers may surprise you.
Read →Child Education Planning India 2026: The Complete Guide
From goal setting to fund selection — every step covered.
Read →Sukanya Samriddhi vs SIP: Which Is Better for Your Daughter’s Education?
Government scheme vs market returns — a detailed comparison.
Read →Planning for Abroad Education: How Much to Save in INR?
Currency risk, higher costs, and the right investment strategy.
Read →How Priya and Arjun planned for their daughter’s MBAReal example from Bengaluru
- Priya & Arjun – Tech professionals in Bengaluru, want to send their 8-year-old daughter Anika for an MBA in 10 years.
- Current annual cost: ₹8L for a top B-school. At 10% inflation → ₹20.7L in 10 years.
- Total corpus needed: ₹41.4L (2-year program). They already have ₹5L saved.
- Using the simulator: They need a monthly SIP of ₹21,000 at 10% returns to reach the target.
- Action taken: Started two equity SIPs (₹11,000 + ₹10,000) and topped up with an annual bonus allocation.
- Result: On track to reach ₹45L by 2036 — with a safety margin. Tracked in the Investment Wallet.
Frequently asked questions
education inflationSIP for childtarget corpusabroad educationSSY vs SIPloan vs savings
🎓 Education Planning
Use the sliders above to find your target. A typical 4-year engineering degree costs ₹15-25L today; with 8% inflation it could be ₹50L+ in 10 years. Always model with the simulator before committing to a savings plan.
For goals 10+ years away, equity mutual funds historically return 10-12%. Use 8-10% for a conservative estimate. The simulator lets you adjust this — try different rates to see the impact on your required SIP.
Education costs in India have been rising at 8-10% annually, significantly higher than general CPI inflation (5-6%). For professional courses and abroad education, use 10-12% to be safe.
📊 Investment Strategy
For most parents, a monthly SIP is the practical choice — it matches cash flow and benefits from rupee-cost averaging. If you have a large bonus or inheritance, you can combine both. Use the SIP vs Lumpsum Simulator to compare.
For goals more than 7 years away, equity funds offer the best inflation-beating returns. PPF and SSY are safe but their returns (7-8%) barely match education inflation. A mix of equity (70-80%) and debt (20-30%) works well for 10+ year horizons.
📘 General
At least once a year — ideally when you get a salary hike or bonus. The simulator is always free, so you can adjust your plan as your income and goals evolve.
The Education Fund Simulator tells you “how much.” Use the Investment Wallet to track your actual SIPs and corpus, and the Wealth Wallet to monitor your overall net worth as you save for your child’s future.
Recommended
Related Reading
Deepen your understanding of financial planning for your family’s future.
Asset Allocation by Age in India (2026 Investment Guide)
The right mix for your risk profile and goals.
Read →Financial Planning in Your 20s India (2026 Starter Guide)
Your highest-leverage decade. Start right.
Read →Net Worth Calculator India: How to Track Wealth (2026)
Know where you stand, build from there.
Read →Financial Independence Number India: How to Calculate Yours
Your freedom number, India-specific.
Read →Tax Planning with the Wallet System
Use structure to save tax, not just deductions.
Read →Retirement Planning India 2026: How Much Do You Need?
Start early, stay disciplined, and know your number.
Read →
Community
Connect With INDwallet
🧭 Explore the INDwallet Ecosystem
The simulator tells you the number. The wallets help you hit it.
INDwallet – private · free · India-first
Leave a Comment
Share your experience with our calculator or ask a question. We read every comment.