Education Fund.
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.
Your Education Plan
This plan shows you exactly how your savings and investments will grow over time. Based on your inputs, we’ve calculated the future cost of education, projected your corpus, and determined the monthly SIP needed to bridge any gap. Adjust the sliders on the right to explore different scenarios and find the strategy that works for you.
See how your savings grow and whether you’re on track to meet your target.
Analysis: Your target corpus is ₹50L. Projected corpus is ₹32L. You need a monthly SIP of ₹8,200 to bridge the gap. Start today to let compounding work.
- 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.
- Future cost: ₹50,00,000 (at 8% inflation over 10 years).
- Projected corpus: ₹32,00,000 (current savings + SIP).
- Status: Shortfall of ₹18,00,000. Required SIP: ₹8,200/mo.
- ✓Start early: A 5-year head start can halve the required SIP.
- ✓Increase SIP annually: Top-up by 5-10% each year to stay ahead of inflation.
- ✓Use equity for long-term: For goals >7 years, equity mutual funds offer better inflation-beating returns.
- ✓Review annually: Recalculate at every salary hike or bonus to stay on track.
- ✓Protect with insurance: Ensure the goal is funded even if something happens to you — use the Insurance Pro Simulator.
- ✓Track in wallets: Use the Investment Wallet to monitor your SIPs and corpus.
- ✓Avoid education loans if possible: They start with a burden. Save first, borrow only as a last resort.
🧮 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
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 →- 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
🧭 Explore the INDwallet Ecosystem
The simulator tells you the number. The wallets help you hit it.