Logo
Financial Calculator

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
Loading calculator...
Loading charts...
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 Planning Formulas

Formulas to estimate future higher education costs and calculate required savings.

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

Example:

Current annual cost of ₹5,00,000 with 7% inflation for 10 years

5,00,000 × (1 + 0.07)^10
= ₹9,83,575

Variables:

Present Cost - Current annual higher education cost
Inflation Rate - Expected annual higher education inflation rate (as decimal)
Years - Number of years until higher education begins

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

Example:

To accumulate ₹9,83,575 in 10 years with 12% annual return

9,83,575 / [((1 + 0.12/12)^(10*12) - 1) / (0.12/12)] × (1 + 0.12/12)
= ₹4,200

Variables:

Future Cost - Target future higher 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.

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.
Loading FAQ...