Goal plan
SIP for Child Education
Plan a SIP for your child's higher education — with education inflation, which runs higher than general inflation, built in.
Education costs in India have historically risen faster than general inflation — often cited around 8–10% a year for professional and overseas courses. That's why the solver here defaults to a higher inflation assumption: planning a child's-education SIP against 6% general inflation understates what you'll actually need.
Set the target to the today's-money cost of the course you have in mind and mark "target is in today's money". The solver inflates it to its future cost and back-solves the SIP required — so you're funding the real future bill, not today's price tag.
Time horizon is usually fixed by your child's age, which makes starting early the single biggest lever. A 15-year runway versus a 10-year one can roughly halve the monthly amount needed.
Related tools
In shortPlan an education SIP against education inflation, which typically runs higher than general inflation. Estimate today's cost of the course, inflate it to the year of admission, then back-solve the monthly SIP. Shift money gradually into safer funds in the final two or three years, so a market fall just before admission cannot derail the plan.
Monthly SIP needed for ₹50.0 lakh, by time horizon
Required monthly SIP to have ₹50.0 lakh after tax, at an assumed 11% a year. The step-up column starts lower and raises the SIP by 10% every year. Change any input in the calculator above to see your own numbers.
| Horizon | Flat SIP | 10% step-up (starting SIP) | Total invested (flat SIP) |
|---|---|---|---|
| 5 years | ₹65,476 | ₹54,591 | ₹39.3 lakh |
| 10 years | ₹25,014 | ₹16,918 | ₹30.0 lakh |
| 15 years | ₹12,411 | ₹6,953 | ₹22.3 lakh |
| 20 years | ₹6,760 | ₹3,202 | ₹16.2 lakh |
| 25 years | ₹3,840 | ₹1,569 | ₹11.5 lakh |
Target in future rupees, after 12.5% LTCG on gains above ₹1.25 lakh. Returns are an assumption, not a forecast.
Other goal planners: ₹1 crore · ₹50 lakh · Retirement · House down payment · Car · Wedding & other milestones
Understand the concept: Why Inflation Makes Your SIP Worth Less Than You Think