Decision Library
How Much Will My Child's Education Actually Cost?
Education costs in India have historically inflated faster than general prices — a course that costs a certain amount today can cost dramatically more by the time your child actually needs it.
Run the Numbers
Calculate Your Own Scenario
Education costs typically inflate faster than general prices.
Future cost of this course
₹0
Monthly SIP needed to get there
₹0
Required SIP at Different Returns
| Scenario | Return | Monthly SIP needed |
|---|
Scenarios
How This Usually Plays Out
- Starting a dedicated SIP well before the goal — the monthly amount needed is far smaller than trying to save the lump sum in the final few years.
- A goal 3-5 years away with no dedicated savings yet — the required monthly SIP can be a real shock; starting something is still better than nothing.
Risks & Exceptions
When the Normal Advice Doesn't Apply
- Education inflation varies enormously by institution and course — this uses a general estimate, not a specific school's actual fee trajectory.
Decision Framework
How to Actually Decide
- Run today's cost through the calculator above to see the real future number.
- Start a dedicated SIP for this goal specifically — don't rely on "whatever's left over" from general savings.
- Revisit the target every few years as actual fee trends become clearer.
This page is for educational purposes only and does not constitute financial advice. Figures are illustrative and vary based on your individual circumstances, lender policies, and market conditions. Always consult a certified financial advisor before making major financial decisions.