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Financial Calculator

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
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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
₹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 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

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.
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