Child Education Corpus Calculator
Monthly saving for a child's higher education — education inflation, India/abroad costs and glide-path strategy.
Formula
Disclaimer: Assumes constant returns; market investments fluctuate and tax rules change — verify current-year limits. Educational math only, not financial or tax advice.
Need child education corpus calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About Child Education Corpus Calculator
Education inflation is the fiercest in the household basket — Indian professional-degree and study-abroad costs have compounded at 8-10%, far above CPI — so a ₹50 lakh education today (a decent engineering+masters or a modest abroad program) becomes roughly ₹1.47 crore when a 4-year-old reaches college. This calculator chases that REAL bill: ~₹33,000/month at 11% returns. The asset glide-path matters as much as the amount: 14 years out, equity-heavy (the 11% assumption presumes it); from ~3 years before admission, shift systematically to debt/FDs — a 2008-style year just before fee-payment is the one risk this plan cannot absorb. STP-out (the reverse of STP-in) over the final 24-36 months is the standard mechanism; calendar it against the entrance-exam years. Parallel levers families forget: education LOANS are a legitimate co-funder (the corpus need not carry 100% — an 80E-deductible loan bridging 30% lets the child carry skin-in-the-game while your corpus covers the rest safely); SSY for daughters earns 8.2% sovereign for exactly this horizon; and the child's own merit (scholarships, assistantships abroad) statistically offsets more than parents project. Fund the 70th-percentile scenario, not the worst case — over-saving into locked education plans has its own cost.
How to use Child Education Corpus Calculator
- 1Enter Education cost today, Time available (years), Expected annual return (%), Education inflation (runs above CPI) (%/yr) into the Child Education Corpus Calculator.
- 2The result is computed automatically using Required monthly saving = inflated target ÷ FV(1/month) — the goal priced in today's discipline — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use Child Education Corpus Calculator?
- ✓Computes child education corpus calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
Bachhe ki padhai ke liye kitna mahina bachana chahiye?+
Target aur umar par: aaj ke ₹50 lakh wali education, bachcha 4 saal ka (14 saal ka runway), 8% education inflation → ~₹1.47 crore chahiye hoga; 11% return par ~₹33,000/month. Bachcha 10 ka ho (8 saal) to wahi goal ~₹64,000/month maangta hai. Education-planning me har saal ki deri sabse mehngi hai — janam ke saal shuru karna aadhi keemat par padta hai.
Education inflation 8% kyun — CPI to 5-6% hai?+
Fees CPI se alag chalti hain: private engineering/medical, IIM-class aur foreign tuition ne 8-12% compounding dikhayi hai dashakon se (foreign me currency-depreciation bhi judti hai). 8% conservative-honest midpoint hai. 6% lagana plan ko achha dikhata hai, bill ko nahi badalta — input me apne target course ki asli fee-history daalein.
Kaunse instruments me yeh corpus banayein?+
Runway-wise: 10+ saal → equity funds (index/flexicap SIPs) core; beti ho to SSY ka 8.2% sovereign layer pehle bharein; aakhri 3 saal me systematically debt/FD me shift (STP-out). Insurance-company ke 'child plans' se savdhaan — unke charges aapke 2-3% return kha jaate hain; term insurance alag lijiye, investment alag.
Corpus ke saath education loan ka mix sahi hai kya?+
Aksar haan: 70% corpus + 30% loan ka structure teen kaam karta hai — aapki retirement-savings safe rehti hai, bachhe me accountability aati hai, aur Section 80E ka uncapped interest-deduction loan ko effectively sasta karta hai. Worst structure: retirement corpus tod kar 100% self-fund — bachhe ko loan mil jata hai, aapko retirement ke liye koi loan nahi dega.
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