Education Planning Inputs
3 Yrs
Yrs
18 Yrs
Yrs
₹ 20,00,000
₹
₹ 0
₹
8%
%
12%
%
Education Fund Plan
Monthly SIP Required₹ 8,000
Future Education Cost₹ 80,00,000
Total Amount You Invest₹ 24,00,000
Years Until Education15 Yrs
Fund Progress0%
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How Education Cost Is Projected
Education cost grows at a compound rate of 8-10% per year — significantly faster than general inflation. The future cost is calculated as:
Future Cost = Today's Cost × (1 + Education Inflation)^Years
Frequently Asked Questions
Education costs — especially for premium colleges, professional courses (MBBS, MBA, engineering), and international universities — tend to rise 8-12% annually, driven by infrastructure investments, faculty costs, and demand. This is much higher than India's general CPI inflation of ~4-6%.
For a 10+ year horizon: equity mutual funds (SIP). For 5-10 years: balanced/hybrid funds. For 3-5 years: debt funds or recurring deposits. Sukanya Samriddhi Yojana (SSY) is ideal for girl children up to age 10.