Higher Education SIP Calculator

Plan and save for your child's college and professional education expenses. Build a substantial corpus to fund undergraduate, postgraduate, or international education without financial burden.

Higher Education
Long-term Investment
Goal-based SIP
18+ Year Planning

Save for undergraduate and postgraduate education expenses

₹1L₹2Cr
₹0₹15.00 L
years
1 year50 years
%
5%20%
%
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

Higher Education (College)

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
₹1,94,59,711
Today's value: ₹35,00,000
Maturity Amount
₹35,00,000
Below target
Achievement Timeline
Not achievable
With current plan
Investment Growth Over Time
Invested
Value
Goal
Year 0
₹0K
Year 2
₹2.1L
Year 4
₹4.8L
Year 6
₹8.2L
Year 8
₹12.4L
Year 10
₹17.7L
Year 12
₹24.3L
Year 14
₹32.7L
Year 16
₹43.1L
Year 18
₹56.2L

Key Insights

Total Returns:₹18,80,000
Return Percentage:116.0%
Monthly SIP:₹7,500
Investment Period:18 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
₹7,500
₹90,000
₹90,000
₹95,400
+₹5,400
₹5,400
2026
₹7,500
₹90,000
₹1,80,000
₹2,02,248
+₹16,848
₹22,248
2027
₹7,500
₹90,000
₹2,70,000
₹3,21,918
+₹29,670
₹51,918
2028
₹7,500
₹90,000
₹3,60,000
₹4,55,948
+₹44,030
₹95,948
2029
₹7,500
₹90,000
₹4,50,000
₹6,06,062
+₹60,114
₹1,56,062
2030
₹7,500
₹90,000
₹5,40,000
₹7,74,189
+₹78,127
₹2,34,189
2031
₹7,500
₹90,000
₹6,30,000
₹9,62,492
+₹98,303
₹3,32,492
2032
₹7,500
₹90,000
₹7,20,000
₹11,73,391
+₹1,20,899
₹4,53,391
2033
₹7,500
₹90,000
₹8,10,000
₹14,09,598
+₹1,46,207
₹5,99,598
2034
₹7,500
₹90,000
₹9,00,000
₹16,74,149
+₹1,74,551
₹7,74,149
Financial Milestones

Track your journey to key financial goals

₹1 Lakh
Year 2
₹5 Lakh
Year 5
₹10 Lakh
Year 8
₹25 Lakh
Year 13
Progress Summary

5 out of 6 milestones achieved in 18 years

Investment Performance

Key metrics of your SIP investment

Expected Annual Return

12%
Compounded annually

Wealth Multiplier

2.2x
Your money grows by this factor

Returns vs Investment

116%
Returns as % of total investment
Higher Education Cost Planning

Professional Course Costs

  • Engineering: ₹15-25 lakhs (4 years)
  • Medical: ₹50-75 lakhs (5.5 years)
  • MBA: ₹20-40 lakhs (2 years)
  • International: ₹75 lakhs - 2 crores

Investment Strategy

  • Start early for 18+ year time horizon
  • Higher education inflation: 10-12%
  • Aggressive equity allocation initially
  • Consider education loans as backup

Course-wise Planning Strategy

Undergraduate (₹15-30L)

Engineering, Commerce, Arts - Focus on equity funds for growth

Professional (₹30-75L)

Medical, MBA, Law - Balanced portfolio with debt component

International (₹75L+)

Overseas education - Currency hedge and higher corpus needed

Beat Education Inflation
Higher education costs rise 10-12% annually. Professional courses see even higher inflation rates requiring early planning.
Professional Excellence
Fund top-tier professional courses like medicine, engineering, MBA without compromising on quality due to financial constraints.
Career Investment
Higher education is an investment in your child's career. Quality education leads to better opportunities and higher income.

Frequently Asked Questions

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