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Child Education Planner
Plan the corpus your child will need for higher education.
Enter values to see your result
Frequently asked questions
Why assume 8% education inflation?
Indian private schools and colleges have raised fees 8–12% annually for 15+ years. Abroad universities (US/UK/Europe) inflate 4–6% in local currency but add INR depreciation on top.
Should I use equity or debt?
Equity for horizons >7 years. In the last 3 years before admission, start shifting into debt to protect against a market crash right before fee payment.
What if my child chooses differently?
A corpus for engineering/MBA works for most paths. If plans change, the money is still yours — redeploy for other goals or gift it to them as a start-life fund.
Are there dedicated plans?
Yes — Sukanya Samriddhi (girls only, tax-free), child ULIPs (expensive, avoid), and equity mutual funds in a child's name. Mutual funds are usually the most flexible.