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

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.

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