Child Education Planner
Take charge of your child’s future by planning ahead for their higher education costs. Use our calculator to estimate the investment required to build the right education fund for their success.
LET’S START YOUR EDUCATION PLANNER
You Can Edit Your Plan Below
1. What’s your name?
2. How old is your Child today?
3. How old will your child be when you need this investment amount?
4. How much would the education cost you today?
5. How much have you already saved for your Child’s Education?
6. What is the Expected Inflation Rate?
7. What is the Expected Rate of Return?
Note: This calculator provides an estimate of your future child education expenses and investment requirements. It assumes constant rates of Inflation and returns, which may vary in actual market conditions. Results are for guidance only and do not guarantee specific outcomes.
Additional Monthly (SIP) Required
or
Additional Lumpsum Required
What is Child Education Planning?
Child education planning is the process of systematically saving and investing to build a sufficient corpus for your child’s future educational needs. With the rapid rise in tuition fees, inflation in education, and increasing competition for quality education, it’s no longer optional — it’s essential.
Education is one of the biggest financial responsibilities you’ll shoulder as a parent, especially if you’re aiming for prestigious schools or international universities. Whether it’s engineering, medicine, management, or liberal arts, the costs can run into several lakhs or even crores of rupees.
Why Start Early?
The earlier you begin planning, the more time your investments have to grow. Thanks to the power of compounding, even small monthly investments can add up significantly over 10 to 15 years. Early planning with Child Education Planner also helps:
- Beat education inflation (often 6–9% per year)
- Avoid taking expensive education loans later
- Reduce financial stress during crucial academic years
- Support your child’s aspirations without compromising your retirement goals
Key Elements of an Effective Child Education Planner
- Estimate Future Education Costs
Consider the course, location (India or abroad), living expenses, and inflation. - Assess Current Savings
Check how much you’ve already saved or invested for this goal. - Set a Realistic Target Year
Usually between the age of 17 and 22, depending on the course. - Determine the Right Investment Strategy
Choose a mix of SIPs in mutual funds, fixed deposits, and child education-specific investment products. - Review & Adjust Annually
Re-evaluate costs and investment performance yearly and adjust contributions if needed.
What is a Child Education Planner Calculator?
A Child Education Planner Calculator is a financial tool that helps parents forecast the amount of money they’ll need for their child’s education by the time the child reaches college age. It accounts for:
- Current education costs
- Expected inflation in education
- Your child’s current age and target age
- Your current savings
- Expected Rate of Return on investments
Why Should You Use This Child Education Planner Calculator?
- ✅ Accurate Goal Planning
Avoid underestimating or overestimating future education costs. - ✅ Smart Investment Strategy
Know exactly how much to invest monthly or as a one-time lumpsum. - ✅ Customized Planning
Tailored to your child’s age, your savings, and expected returns. - ✅ Saves Time & Stress
One quick calculation helps you set a clear financial target.
🔗 Want to Plan Your Financially Free Future? Use our Retirement Plan Calculator
How Does It Work?
The Child Education Planner uses the inflation rate to project future education costs and the Expected Return rate to compute how your current savings will grow. Then, it calculates the gap and tells you:
- How much more you need
- Monthly SIP required
- One-time lumpsum needed
It uses financial formulas like:
- Future Value: for estimating inflated education costs
- FV of Current Savings
- PMT formula: for SIP calculation
- PV formula: for lumpsum estimation
How to Use Our Calculator?
- Enter your name.
- Enter your child’s, current age, and target age.
- Enter the current cost of education (for desired course).
- Fill in your current savings, expected inflation, and return rate.
- Click “Calculate” to get results instantly.
- Get a clear, visual breakdown of your investment plan.
Example
Let’s say:
- Current education cost = ₹10,00,000
- Current age = 5 years
- Target age = 18 years
- Inflation = 8%
- Return on investment = 12%
- Current savings = ₹2,00,000
Child Education Planner display the Result:
- Future Education Cost = ₹27,19,624
- Savings Future Value = ₹8,72,699
- Additional Required = ₹18,46,925
- SIP Required = ₹4,913/month
- Lumpsum Needed = ₹4,23,268 approx.
Other Calculators
Advantages of Using Our Child Education Planner
- 100% Free and Easy to Use
- Realistic Planning Based on Inflation
- Helps You Decide Between SIP and Lumpsum
- Removes Guesswork and Saves Time
- Increases Confidence in Your Financial Planning
Give Your Child the Gift of Freedom
Proper education planning ensures your child can chase their dreams — whether that’s becoming a doctor, engineer, designer, scientist, or entrepreneur — without financial barriers. It’s not just about money; it’s about giving them the freedom to choose.
