Retirement & Wealth Planning

Child Education Planning Calculator

Plan for your child's higher education by computing the inflation-adjusted future cost and required monthly SIP.

About the calculator

What is the Child Education Planning Calculator?

The Child Education Planning Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Future cost
    FC = TC × (1 + i)ⁿ
  • Monthly SIP
    SIP = FC × (rm) / [(1+rm)ᴺ − 1] / (1+rm)

Why use the Child Education Planning Calculator?

Financial planning works only when it's specific. The Child Education Planning Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Use 8–10% for India — historically higher than CPI.
Ideally at the child's birth — every year of delay raises the SIP.
Equity for 10+ year horizons; shift to debt 2–3 years before need.
Yes — add hostel/lodging and travel separately.
You can supplement — but plan to fund at least half from savings.
Child insurance plans exist but mutual funds typically outperform.

Related Calculators

Zero brokerage. All segments.

Open a Flattrade Account

Trade equity, F&O, currencies and commodities at ₹0 brokerage. Powered by fast execution and advanced trading tools — built for serious investors.

Open Account