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Child Education Planning Calculator
Secure your child's future with intelligent education planning. Calculate the corpus needed and create a tailored investment strategy.
20+ Years of Financial Planning Experience
Child's Profile
Child's Name
Child's Age
5 years
Education Details
Financial Planning
Investment Strategy
Education Goals
Education Start Age ℹ️
Age at which higher education will begin (typically 18 for undergraduate)
18 years
13 years to higher education
Education Duration ℹ️
Total duration of higher education (typically 3-5 years)
4 years
Cost Estimation
Current Annual Cost ℹ️
Current annual cost of desired education program (in today's value)
₹5,00,000
Inflation Rate ℹ️
Expected annual education inflation (typically 7-10% in India)
8%
Engineering
₹3-6L/year
Medical
₹10-25L/year
MBA
₹8-20L/year
Undergraduate
₹2-5L/year
Study Abroad
₹20-50L/year
Current Savings
Current Education Fund ℹ️
Amount already saved/invested for child's education
₹2,50,000
Monthly Savings ℹ️
Amount you can save for education every month
₹15,000
Investment Returns
Expected Return Rate ℹ️
Expected annual return on education investments
12%
Annual Increase in Savings ℹ️
Annual increase in monthly savings (matching salary increments)
10%
Risk Management
Safety Margin ℹ️
Additional buffer for unexpected cost increases (recommended 10-20%)
15%
Debt Component ℹ️
Percentage of education cost you plan to fund through loans
20%
Additional Factors
Scholarship/Other Funding ℹ️
Expected scholarships, grants, or other funding sources
₹5,00,000
Other Assets ℹ️
Other assets that can be liquidated for education
₹3,00,000
Education Planning Analysis
Total Education Cost
₹35.2 L
Future value at education start
Monthly Investment Needed
₹18,500
To reach education goal
Total You'll Invest
₹22.1 L
In today's value
Corpus Needed at Start
₹28.4 L
After considering current savings
Years to Save
13 years
Time until education begins
Success Probability
85%
Based on current plan
Key Insights
Current Fund Coverage
14%
Annual Cost at Start
₹13.6 L
Wealth Gain
₹13.1 L
Funding Gap
₹5.9 L
Education Fund Growth Projection
Visualize how your education fund will grow over time and when withdrawals will be needed.
Education Timeline
Key milestones in your child's education journey based on your current plan.
Get Your Personalized Education Plan
As a financial advisor with 20+ years of experience, I can help you create a customized education funding strategy that aligns with your financial goals and risk tolerance.
Detailed Education Plan
40+ page comprehensive education planning report
Portfolio Allocation
Customized investment strategy for education goals
Free Consultation
45-minute strategy session to review your education plan
Your information is 100% secure. We respect your privacy and never share your data.
Important Disclaimer
This education planning calculator provides estimates based on the inputs provided. Please note:
- All calculations are projections based on assumed rates of return and education inflation
- Actual education costs may vary significantly based on institution, location, and program
- Investment returns are not guaranteed and may vary based on market conditions
- This calculator does not account for exchange rate fluctuations for international education
- Scholarship availability and amounts can change
- Education loan interest rates and terms may vary
- This tool is for educational purposes only and not a substitute for personalized financial advice
- Consult with a qualified financial advisor before making any investment decisions
- Past performance is not indicative of future results