# Child Education Planning Calculator: Cost and SIP > Child education planning calculator. See what a degree will cost when your child gets there at 10% education inflation, and the monthly SIP to fund it. Source: https://trykosh.com/tools/child-education-planner Free tool - Budgeting and planning # Child education planning calculator College fees in India have been rising far faster than general prices. Enter today's cost of the course you have in mind and your child's age to see the future bill and the monthly investment that covers it. Rules checked 25 October 2026Free - no sign-upRuns in your browser Invest every month INR 19,514 For 14 years, until your child turns 18 Future cost**INR 94.94 lakh** Years to go**14 years** Lump sum instead**INR 17.43 lakh** Covered by savings **INR 9,77,422**Still to invest for **INR 85,16,323** Course today INR 25,00,000 Cost in 14 years at 10% a year INR 94,93,746 Your savings grow to INR 9,77,422 Gap to fund INR 85,16,323 Monthly SIP for it INR 19,514 Or one lump sum today INR 17,42,608 Shift this money gradually from equity to safer debt options over the last three years, so a market fall just before admission can't derail the plan. ## Upload your statement and Kosh does this for you. Upload a bank statement and Kosh builds this from your real spending: every UPI payment, EMI and subscription, sorted and priced. [Start free](/signup?via=tool-child-education-planner) ## How the child education planner works Start with what the course costs today in full: tuition for all years, hostel and mess, books, coaching and entrance fees. A four-year engineering degree at a private college can run INR 10-20 lakh; a private MBBS seat or a master's abroad can cost several times that. Use a figure from the institutions you would realistically consider. That cost is then grown at education inflation, set to 10% by default, for the years until the course begins. Education costs have tended to rise much faster than the 4-6% general inflation of recent years, and at 10% a cost doubles roughly every seven years. Anything you have already saved grows at your expected return and is subtracted. The rest is spread into a monthly SIP over the remaining months, and the calculator also shows the one-time lump sum that would do the same job today. The 12% default is an illustrative long-term equity figure, not a forecast. Turn on the second goal for a postgraduate degree or study abroad a few years later. It gets its own timeline and SIP, and the two are added together, because families often plan for the first degree and get caught out by the second. Future cost = today's cost x (1 + education inflation)^years - SIP = (future cost − savings grown) / SIP factor Years course start age − child's age today SIP factor value of INR 1 a month invested for those months at the assumed return ## Worked example: Arjun's daughter, 6, engineering then a master's abroad Arjun's daughter is 6. A private engineering degree costs about INR 18 lakh today; in 11 years, at 10% education inflation, it will cost INR 51,35,610. The INR 3 lakh he has saved could grow to INR 9,45,527 at an assumed 11%, leaving INR 16,300 a month to invest. He also wants to fund a INR 40 lakh master's abroad at 22, which becomes INR 1,83,79,892 and needs INR 35,030 a month. Together that is INR 51,329 a month, which tells him to start with the first goal and step up the second as his income grows. Invest every month INR 51,329 INR 16,300 for the first goal + INR 35,030 for the second Future cost**INR 2.35 crore** Years to go**11 years** Lump sum instead**INR 47.9 lakh** Covered by savings **INR 9,45,527**Still to invest for **INR 2,25,69,975** Course today INR 18,00,000 Cost in 11 years at 10% a year INR 51,35,610 Your savings grow to INR 9,45,527 Gap to fund INR 41,90,083 Monthly SIP for it INR 16,300 Or one lump sum today INR 13,29,443 Second goal: INR 40,00,000 today becomes INR 1,83,79,892 Monthly SIP for the second goal INR 35,030 Shift this money gradually from equity to safer debt options over the last three years, so a market fall just before admission can't derail the plan. [Load this example into the calculator ->](?childAge=6&startAge=17&cost=1800000&existing=300000&rate=11&second=1&cost2=4000000#calculator) ## Good to know - For a daughter, Sukanya Samriddhi Yojana pays 8.2% for October-December 2026, and up to 50% of the balance can be withdrawn for her education once she turns 18 or passes Class 10. - Move the money from equity to deposits or debt funds over the last three years before admission, so a market fall can't shrink it at the worst moment. - Interest on an education loan is deductible without limit for up to eight years under the old regime (section 80E of the earlier Act). A loan can sensibly fund part of a costly degree. - Tuition fees for up to two children, paid to a school, college or university in India for full-time study, count toward the INR 1.5 lakh 80C limit in the old regime. Coaching, hostel and donations don't. - Review the plan when your child starts Class 9. By then you will know far more about the stream and the likely cost. ## Frequently asked questions What is the inflation rate for education in India? There is no single official figure, but college fees have commonly risen 8-12% a year, well above general consumer inflation. Professional courses at private institutions and studying abroad have often risen faster. This calculator uses 10% by default; you can change it. How much should I invest for my child's education? Work backwards from the course you are planning for. For a INR 25 lakh course 14 years away at 10% education inflation, the future cost is about INR 95 lakh; with INR 2 lakh already saved, that needs roughly INR 19,500 a month at an assumed 12% return. Starting earlier cuts the monthly amount sharply. Is a child plan from an insurer better than a SIP? Many child plans combine life cover and investment, with higher costs and lock-ins. A common alternative is a pure term policy on the earning parent plus separate investments for the goal, which keeps both cheaper and more flexible. Compare total costs and terms before deciding. Can I use PPF for my child's education? Yes. A PPF account can be opened in a minor child's name, and partial withdrawals are allowed from the seventh financial year. Its 15-year term suits a goal 15 or more years away. The combined deposit limit across your own and your minor child's PPF is INR 1.5 lakh a year. When should I start saving for my child's college? As early as possible, ideally in the first few years after birth. At an assumed 12%, starting when your child is born instead of at 8 cuts the monthly SIP needed for the same goal at 18 by about two-thirds. ## Sources and assumptions - [Department of Economic Affairs: small savings rates](https://dea.gov.in/) - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.