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.
Enter today's education cost, inflation rate, and years until your child needs the money. See the future cost and monthly SIP needed — instantly.
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.
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.
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 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.
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 SIP | 12–15% CAGR | LTCG 12.5% after 1yr | ✅ Yes — by 2–5% | None (3yr ELSS) | Goals 5+ years away |
| SSY (Girl Child) | 8.2% EEE | 100% Tax-Free | ⚠ Barely (vs 8% edu inf.) | Till girl turns 21 | Safe base for girl child |
| PPF | 7.1% EEE | 100% Tax-Free | ❌ No (below 8%) | 15 Years | Conservative supplement |
| RD / Bank FD | 6.5–7.5% | Taxable at slab | ❌ No (post-tax ~5%) | 1–5 Years | Short-term goals <3 yrs |
| NPS (Tier 2) | 10–12% (equity) | LTCG on exit | ✅ Yes — at equity tier | None | If already NPS subscriber |
| Education Loan | — | Sec 80E interest deductible | N/A | N/A | Last resort / bridge gap |
Start early, beat inflation, and give your child a debt-free education start.
Most searched child education planning questions in India for 2026 — answered clearly.
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
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