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A course that costs ₹20 lakh today could cost over ₹80 lakh in 15 years at 10% education inflation. Enter today's cost, your child's age and when the course starts to see the future cost and how much to invest each month (SIP) or as a lump sum today.
Add what you've already saved and your expected return. Equity mutual funds suit goals more than 7 years away; Sukanya Samriddhi and PPF suit safe, tax-free saving.
| Currency | ₹ Rupees |
| Today's cost of the course | 2000000 |
| Child's age now | 3 years |
| Age when the course starts | 18 years |
| Education inflation | 10 % a year |
| Expected return on savings | 12 % a year |
| Already saved | 100000 |
| Monthly investment needed (SIP) | ₹16,404 |
| Course cost when needed | ₹83,54,496 in 15 years (at 10% education inflation) |
| Or invest once today | ₹14,26,335 |
| Your savings will grow to | ₹5,47,357 |
| Total you will invest by SIP | ₹29,52,705 |
| Options in India | Equity mutual fund SIPs for 7+ years; Sukanya Samriddhi (girls, 8.2%) and PPF (7.1%) for safe, tax-free savings |
SIP ₹16,404; cost then ₹83,54,496 in 15 years (at 10% education inflation).
Try this example →A ₹15 lakh course today would cost about ₹63 lakh at 10% inflation.
Around 10–12% a year, much higher than general inflation.
Yes for girls: 8.2% tax-free, and 50% can be withdrawn for education from age 18.