Child Education Planner
Education costs in India have been inflating at 8–10% annually. A degree that costs ₹20L today will cost ₹50L in 10 years. This calculator finds the inflation-adjusted future cost of your child's education and the monthly investment you need to start now to be ready.
Frequently Asked Questions
Why is education inflation higher than regular inflation?+
Education costs (tuition fees, hostel, materials) have historically risen 8–10% annually in India — nearly double the general CPI inflation of 5–6%. Private engineering and management colleges, in particular, have seen 10–15% annual fee increases. Use 8% as a conservative estimate and 10% for private institutions.
What are the best investment options for a child's education?+
For a 10–15 year horizon: equity mutual funds (SIP) offer the best real returns at 11–14% but with market risk. Sukanya Samriddhi Yojana (for girls) offers 8%+ with tax benefits. PPF is safe at 7.1% with 80C benefits. A mix of 70% equity + 30% debt is common for this goal.
Should I invest in my child's name or my own?+
Investing in your own name (or a joint account) gives more flexibility. Child-specific accounts (like SSY, or minor folios) have restrictions on withdrawal. For equity investments, use your own name with an earmarked folio — same growth, full control, no lock-in complications.