Child Education SIP Calculator

Plan and save for your child's school education expenses with our comprehensive SIP calculator.

Education Planning

Long-term Investment

Goal-based SIP

15-18 Year Planning

Select Financial Goal

Plan for your child's primary and secondary education expenses

Goal Amount (Today's Value)

₹

₹1L₹2Cr

Current Savings for this Goal

₹

₹0₹15.00 L

Investment Period

years

1 year50 years

Expected Annual Return

5%20%

Consider Inflation

2%15%

Today's Value:₹15.00 L

Future Value:₹47.58 L

Required Monthly SIP

₹0

Goal may not be achieved with current settings

Child Education (School)

Risk Profile: moderate

Total Invested

₹0

Estimated Returns

₹0

Maturity Amount

₹0

Consider increasing SIP or investment period

Goal vs Achievement

Target Amount₹47.58 L

Expected Amount₹0

Surplus/Deficit₹-47,58,254

Goal Achievement Chart

Track your progress towards your goal

Goal Amount

₹31,72,169

Today's value: ₹10,00,000

Maturity Amount

₹10,00,000

Below target

Achievement Timeline

Not achievable

With current plan

Investment Growth Over Time

Invested

Value

Goal

Year 0

₹0K

Year 2

₹100K

Year 4

₹2.2L

Year 6

₹3.8L

Year 8

₹5.8L

Year 10

₹8.3L

Year 12

₹11.4L

Year 14

₹15.2L

Year 15

₹17.5L

Key Insights

Total Returns:₹3,70,000

Return Percentage:58.7%

Monthly SIP:₹3,500

Investment Period:15 years

Year-wise SIP Breakdown

Detailed annual progress of your SIP investment journey

Year

Monthly SIP

Annual Investment

Cumulative Investment

Portfolio Value

Annual Returns

Total Returns

2025

₹3,500

₹42,000

₹44,520

+₹2,520

₹2,520

2026

₹3,500

₹42,000

₹84,000

₹94,382

+₹7,862

₹10,382

2027

₹3,500

₹42,000

₹1,26,000

₹1,50,228

+₹13,846

₹24,228

2028

₹3,500

₹42,000

₹1,68,000

₹2,12,776

+₹20,548

₹44,776

2029

₹3,500

₹42,000

₹2,10,000

₹2,82,829

+₹28,053

₹72,829

2030

₹3,500

₹42,000

₹2,52,000

₹3,61,288

+₹36,459

₹1,09,288

2031

₹3,500

₹42,000

₹2,94,000

₹4,49,163

+₹45,875

₹1,55,163

2032

₹3,500

₹42,000

₹3,36,000

₹5,47,582

+₹56,419

₹2,11,582

2033

₹3,500

₹42,000

₹3,78,000

₹6,57,812

+₹68,230

₹2,79,812

2034

₹3,500

₹42,000

₹4,20,000

₹7,81,270

+₹81,458

₹3,61,270

Financial Milestones

Track your journey to key financial goals

₹1 Lakh

Year 3

₹5 Lakh

Year 8

₹10 Lakh

Year 12

₹25 Lakh

Beyond timeline

Progress Summary

3 out of 6 milestones achieved in 15 years

Investment Performance

Key metrics of your SIP investment

Expected Annual Return

12%

Compounded annually

Wealth Multiplier

1.6x

Your money grows by this factor

Returns vs Investment

59%

Returns as % of total investment

Child Education Planning Formulas

Formulas to estimate future education costs and calculate required savings.

Future Education Cost

Calculate the future value of education expenses considering inflation.

Future Cost = Present Cost × (1 + Inflation Rate)^Years

Example:

Current annual cost of ₹2,00,000 with 6% inflation for 15 years

2,00,000 × (1 + 0.06)^15

= ₹4,79,315

Variables:

Present Cost - Current annual education cost

Inflation Rate - Expected annual education inflation rate (as decimal)

Years - Number of years until education begins

Required Monthly SIP

Calculate the monthly SIP needed to accumulate the future education cost.

SIP = Future Cost / [((1 + r)^n - 1) / r] × (1 + r)

Example:

To accumulate ₹4,79,315 in 15 years with 10% annual return

4,79,315 / [((1 + 0.10/12)^(15*12) - 1) / (0.10/12)] × (1 + 0.10/12)

= ₹1,300

Variables:

Future Cost - Target future education cost

r - Monthly return rate (Annual rate ÷ 12)

n - Total number of months for investment

These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.

Why Plan for Child Education Early?

Education Cost Reality

Private school fees: ₹2-5 lakhs per year
Annual fee increase: 8-12%
Total K-12 education: ₹15-25 lakhs
Books, uniforms, activities: Additional 20-30%

Smart SIP Strategy

Start when child is born for maximum benefit
Use equity funds for long-term growth
Consider ELSS for tax benefits
Review and increase SIP annually

Investment Timeline Strategy

0-10 years (Aggressive)

Focus on equity funds (80-90%) for maximum growth potential

10-15 years (Balanced)

Gradually shift to balanced funds (60% equity, 40% debt)

15+ years (Conservative)

Move to debt funds and FDs for capital preservation

Beat Education Inflation

Education costs rise 8-10% annually. Start your SIP early to outpace inflation and build a substantial education corpus.

Targeted Planning

Calculate exact SIP amounts needed based on your child's age, target amount, and expected returns from mutual funds.

Stress-free Education

Ensure your child's education is never compromised. Build wealth gradually through systematic investments over 15-18 years.

Frequently Asked Questions

Find answers to common questions about goal-based SIP planning and financial planning strategies.

What is goal-based SIP planning?

Goal-based SIP planning involves investing systematically in mutual funds with specific financial objectives in mind. Instead of investing randomly, you define clear goals (like education, marriage, retirement) and calculate the required monthly investment to achieve them within a specific timeframe.

How does inflation affect my financial goals?

Inflation erodes purchasing power over time. What costs ₹1 lakh today might cost ₹2-3 lakhs in 15-20 years. Our calculator includes inflation adjustment to show the realistic future cost of your goals, helping you plan adequately for actual financial needs.

Should I have separate SIPs for different goals?

Yes, it's advisable to have separate SIPs for different goals as they have different time horizons and risk profiles. Short-term goals (1-3 years) need conservative investments, while long-term goals (10+ years) can have higher equity allocation for better returns.

What if I can't invest the calculated SIP amount?

Start with whatever amount you can afford and increase it annually as your income grows. You can also extend the investment period or adjust the goal amount. The key is to start early and invest consistently, even if the amount is smaller initially.

Can I change my SIP amount during the investment period?

Yes, most mutual funds allow you to increase, decrease, or pause SIPs. You can set up step-up SIPs that automatically increase your investment annually. This helps counter inflation and leverage salary increments for faster goal achievement.

What returns should I expect from equity mutual funds?

Historically, equity mutual funds have delivered 12-15% annual returns over 10+ year periods. However, returns can be volatile in short term. For planning purposes, using 10-12% expected returns for long-term goals is reasonable and conservative.

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