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Plan Your Child's Educational Future
The cost of higher education is rising rapidly due to inflation. This calculator helps you determine exactly how much you need to invest monthly through a Systematic Investment Plan (SIP) to build the corpus required for your child's future professional degrees. By inputting your child's current age, the expected cost of education today, and inflation rates, you can secure their academic future without financial stress.
First Child Details
Second Child Details (Optional)
Market Assumptions
| Education Planner Results | Cost for Child 1 | Cost for Child 2 | Combined Total |
|---|---|---|---|
| Years until College | 0 Years | - | - |
| Cost at Today's Price | ₹ 0 | ₹ 0 | ₹ 0 |
| Future Cost (Inflation Adjusted) | ₹ 0 | ₹ 0 | ₹ 0 |
| Required Monthly SIP | ₹ 0 /mo | ₹ 0 /mo | ₹ 0 /mo |
*Disclaimer: The above calculations are for illustrative planning purposes based on assumed rates. They do not constitute guaranteed investment advice.
FAQ
Frequently Asked Questions
Why is education inflation higher than normal inflation?
While normal retail inflation hovers around 5-6%, education inflation in India has historically grown at 10-12% annually. This is due to rising infrastructure costs, technological upgrades in institutions, and increased demand for specialized professional courses.
What is the best mutual fund for a child's education?
If the goal is more than 7-10 years away, equity mutual funds (like Flexi Cap or Large & Mid Cap funds) are highly recommended to beat education inflation. As the goal approaches, the corpus should be shifted to safer debt funds.
Should I invest via SIP or Lumpsum?
A Systematic Investment Plan (SIP) is ideal for salaried individuals as it allows you to build a massive corpus out of your monthly cash flow while averaging out market volatility. Lumpsum is better if you have a sudden influx of capital, like a bonus or inheritance.