Child Education Planning Calculator 2026 — SIP & Future Cost of Education India

Calculate the future cost of your child's education after 8–10% annual inflation and find the exact monthly SIP needed to fund it — with equity, SSY, and PPF comparison.

📌 Education Inflation: 8–10% p.a. ✅ SSY Rate: 8.2% EEE (Q1 FY 2026-27) 📈 Equity SIP: 12–15% CAGR 🏫 Engineering / Medical / MBA Costs 🕐 Start Early — SIP Halves Every 5 Yrs Late
Education Planner

Your Child's Education Fund Goal

Enter today's education cost, inflation rate, and years until your child needs the money. See the future cost and monthly SIP needed — instantly.

₹15.00 L
₹1 Lakh₹2 Crore
10%
5% (General CPI)15% (Premium)
12 Years
1 Year20 Years
12%
5% (Debt)18% (Aggressive)
⚠️ Education costs double every 7–9 years at 8–10% inflation
₹47.2 L future cost
Today's Cost Inflation Added
Today's Education Cost₹15.00 L
Future Cost After Inflation₹47.2 L
Inflation Added₹32.2 L
Rule of 72 (Cost Doubles In)7.2 Years
Monthly SIP Needed₹13,450/mo
Total You Invest via SIP₹19.4 L
🚀 Start Child Education SIP on WhatsApp
VR
Vikash Royal ARN-356458
B.E. | MBA Finance | NISM Certified | 7+ Years in Finance

📈 Future Education Costs in India — After 10% Annual Inflation

What today's education costs will become in 5, 10, and 15 years at 10% annual education inflation. Plan early — the cost doubles every 7 years.

12th + Coaching
₹5L today
Now: ₹5L
₹5L → ₹21L in 15yrs
Engineering (Pvt)
₹15L today
Now: ₹15L
₹15L → ₹63L in 15yrs
MBA (IIM)
₹25L today
Now: ₹25L
₹25L → ₹1.04 Cr in 15yrs
MBBS (Private)
₹50L today
Now: ₹50L
₹50L → ₹2.09 Cr in 15yrs
MS/Masters Abroad
₹60L today
Now: ₹60L
₹60L → ₹2.51 Cr in 15yrs
MBBS (Top Pvt)
₹1 Cr today
Now: ₹1 Cr
₹1 Cr → ₹4.18 Cr in 15yrs

All future values at 10% education inflation over 15 years using formula: Future Cost = P × (1.10)^15. Rule of 72: at 10% inflation, education cost doubles every 7.2 years. A degree costing ₹15L today costs ₹63L in 15 years and ₹1.06 crore in 25 years. The earlier you start a SIP, the smaller the monthly amount required.

📈 Which Investment Beats Education Inflation? — Monthly SIP Needed

To build ₹47.2 lakh in 12 years (₹15L degree today at 10% inflation) — here's how much monthly SIP is required at different return rates.

Monthly SIP using FV formula compounded monthly. Lower return = much higher monthly commitment. Only equity SIPs (12–15% CAGR) comfortably beat education inflation while keeping monthly amounts manageable. SSY (8.2%) is excellent for girl children — tax-free and government guaranteed.

📅 Monthly SIP Required — Education Goal × Years to Start

Monthly SIP at 12% CAGR to fund education goal. The cost of waiting is enormous — starting 5 years late nearly doubles the required monthly SIP.

Education Goal
(Today's Cost)
Future Cost
(in 15 yrs @ 10% inf.)
SIP if 15 yrs SIP if 12 yrs SIP if 10 yrs SIP if 7 yrs SIP if 5 yrs
₹5L (Coaching / 12th)₹20.9 L₹4,475₹6,725₹9,530₹16,820₹27,440
₹8L (Engineering PSU/NIT)₹33.4 L₹7,160₹10,760₹15,248₹26,912₹43,900
₹15L (Engineering Top Pvt)₹62.6 L₹13,425₹20,175₹28,590₹50,460₹82,320
₹25L (MBA / IIM)₹1.04 Cr₹22,375₹33,625₹47,650₹84,100₹1.37 L
₹50L (MBBS Private)₹2.09 Cr₹44,750₹67,250₹95,300₹1.68 L₹2.74 L
₹1 Cr (MBBS Top / Abroad)₹4.18 Cr₹89,500₹1.35 L₹1.91 L₹3.37 L₹5.49 L

All SIP values at 12% CAGR, compounded monthly. Future costs at 10% education inflation. Red values indicate that the monthly SIP is very high — in these cases, consider starting earlier, supplementing with a lumpsum investment, or exploring education loan as a partial bridge. Use the live calculator above for your exact goal and timeline.

⚖ Best Investments for Child Education in India — 2026 Comparison

Not all instruments are equal for education planning. Here's how each stacks up against 8–10% education inflation.

Investment Return Tax Status Beats 10% Edu Inflation? Lock-In Best For
Equity MF SIP12–15% CAGRLTCG 12.5% after 1yr✅ Yes — by 2–5%None (3yr ELSS)Goals 5+ years away
SSY (Girl Child)8.2% EEE100% Tax-Free⚠ Barely (vs 8% edu inf.)Till girl turns 21Safe base for girl child
PPF7.1% EEE100% Tax-Free❌ No (below 8%)15 YearsConservative supplement
RD / Bank FD6.5–7.5%Taxable at slab❌ No (post-tax ~5%)1–5 YearsShort-term goals <3 yrs
NPS (Tier 2)10–12% (equity)LTCG on exit✅ Yes — at equity tierNoneIf already NPS subscriber
Education LoanSec 80E interest deductibleN/AN/ALast resort / bridge gap
📌 Pocket Wealth Verdict: Equity MF SIP is the only instrument that reliably beats education inflation over 8+ years. For girl children, combine SSY (safe, government-backed base) with equity SIP (growth engine). For goals under 3 years, use RD or debt funds. Never rely solely on PPF or FDs for education goals — they cannot beat 8–10% education inflation consistently. Speak to Vikash Royal (ARN: ARN-356458) to design your child's education fund portfolio.

💡 4 Smart Strategies for Child Education Planning

Start early, beat inflation, and give your child a debt-free education start.

🕐
Start the Day Your Child is Born
A ₹5,000/month SIP started at birth builds ₹52.7 lakh by the time your child turns 18 (12% CAGR). The same SIP started when the child is 8 builds only ₹14.5 lakh — three times less. Every 5-year delay roughly doubles the required monthly SIP amount. The most powerful education planning tool is time, not the size of the investment.
🌟
Use Step-Up SIP to Match Salary Growth
Start with what you can afford — even ₹3,000/month — and increase it by 10–15% every year as your income grows. A ₹3,000/month SIP increasing 10% annually for 15 years builds ₹31.7 lakh at 12% CAGR — vs ₹14.9 lakh from a flat ₹3,000/month SIP. Step-up SIP is the single most powerful enhancement to education fund accumulation for salaried employees.
🚫
Never Redeem Education SIP for Other Goals
The biggest education planning mistake: withdrawing the education SIP corpus early for a car, home renovation, or vacation. Education fund SIPs must be ring-fenced in a separate folio with a clear goal label. Even a one-time redemption of ₹2 lakh from a 15-year education SIP in year 10 reduces final corpus by ₹6.2 lakh (at 12% for 5 remaining years). Keep it separate and untouched.

❓ Child Education Planning Calculator — Frequently Asked Questions

Most searched child education planning questions in India for 2026 — answered clearly.

Current education costs in India (2026 approximate):

12th + JEE/NEET Coaching: ₹3–8 lakh
Engineering (NIT / PSU college): ₹5–10 lakh total
Engineering (Top Private): ₹12–25 lakh total
IIT (full course): ₹8–12 lakh total
MBA (IIM-A/B/C): ₹24–32 lakh total
MBBS (Private Medical College): ₹40–80 lakh total
MBBS (Deemed/Top Private): ₹80L–1.5 crore
Masters Abroad (USA/UK): ₹50–90 lakh (tuition + living)

At 10% education inflation, these costs double every 7.2 years. Plan 10–15 years ahead with equity SIPs.
The formula: Monthly SIP = Future Education Cost ÷ FV factor for your tenure and return rate.

Quick examples at 12% CAGR equity SIP:
• ₹15L engineering degree needed in 15 years → future cost ₹62.6L → SIP needed: ₹13,425/month
• ₹25L MBA needed in 12 years → future cost ₹78.1L → SIP needed: ₹23,430/month
• ₹50L MBBS needed in 18 years → future cost ₹2.77 Cr → SIP needed: ₹36,890/month

Use the live calculator above — adjust education cost, inflation rate, years, and expected return to get your exact required SIP.
SSY is a government-backed savings scheme for girl children offering 8.2% p.a. (Q1 FY 2026-27) with EEE tax status — investment deductible under 80C, interest tax-free, maturity tax-free.

• Minimum: ₹250/year | Maximum: ₹1.5 lakh/year
• Account tenure: 21 years from opening (or marriage after 18)
• 50% partial withdrawal allowed when girl turns 18 — for education
• Can be opened at any post office or designated bank for girls below age 10

SSY vs Equity SIP for education: SSY at 8.2% barely beats 8% education inflation and cannot beat 10% education inflation. Use SSY as the safe guaranteed base and top it with equity SIPs for growth.
Education costs in India rise at 8–10% per year — significantly above general CPI of 5–6%. This is driven by: rising faculty salaries, infrastructure costs, technology integration, international accreditation fees, and increasing demand for quality seats.

Impact of 10% education inflation:
• ₹10 lakh degree today → ₹21.4L in 8 years → ₹45.9L in 15 years
• ₹50 lakh MBBS today → ₹1.07 Cr in 8 years → ₹2.09 Cr in 15 years

Rule of 72: at 10% inflation, education costs double every 7.2 years. Only equity SIPs at 12–15% CAGR reliably outpace this.
PPF at 7.1% p.a. tax-free is insufficient as the primary education fund vehicle because 7.1% is below 8–10% education inflation — your real purchasing power decreases every year.

When PPF works for education: If you open an account when the child is born, the 15-year lock-in aligns perfectly with a graduation goal. PPF can fund a partial component (30–40%) of education cost as a risk-free base, while equity SIPs cover the rest.

Better alternatives: SSY for girl children (8.2% EEE, government-backed), Equity MF SIP (12–15% CAGR) for the growth portion. PPF alone will leave an inflation gap.
SIP planning always wins over education loans in the long run:

Education Loan cost: ₹20L at 10% interest over 7 years = total repayment of ₹38.4L — nearly double. Plus interest accrues during the study period. Your child starts career with significant debt burden.

SIP alternative: ₹5,000/month for 15 years at 12% = ₹25.2L — achieved with only ₹9L invested. You build a ₹25.2L fund with ₹9L of actual money.

The right approach: SIP as primary strategy + education loan as bridge for any shortfall (Section 80E deduction on interest). Never rely solely on a loan when 15 years of SIP planning was an option.
Foreign education planning requires extra factors:

Current cost (2026): USA/UK Master's — ₹50–90L (tuition + living), Canada/Australia — ₹40–70L
Combined inflation: ~10–12% (local education + INR depreciation 3–4% against USD/GBP annually)
In 10 years: A ₹60L course today could cost ₹1.56–2.09 crore

Planning strategy: Start a large equity SIP (₹15,000–25,000/month) at least 10–12 years before. Partially hedge currency risk by allocating 20–30% of education fund to international/US equity index funds. As the goal approaches (2–3 years before), shift 40–50% of corpus to debt/FD to protect from equity market volatility.

🏫 Start Your Child's Education Fund Today

Every month you delay, the required SIP amount increases. Vikash Royal will calculate the exact SIP needed for your child's specific education goal — engineering, medical, MBA, or abroad — and set up the right combination of equity SIP and SSY to fund it completely. SEBI-Registered. ARN: ARN-356458

💬 Start My Child Education SIP on WhatsApp