This free education corpus calculator helps Indian parents estimate future college costs with education inflation, compare them with the growth of current savings, and see the monthly SIP-style top-up that may close the gap. Built for India-first planning in 2026.
With college at 18 (13 years away), four years of study, 10% education inflation, and 10% expected portfolio return, total inflated college cost is about ₹80,10,995. Starting from ₹5,00,000 saved today, the illustrative monthly amount to bridge the gap is about ₹16,152. Open the SIP calculator with that monthly figure to model step-up contributions and fund ideas.
Results are sensitive to education inflation and return assumptions. The model assumes steady rates and does not include taxes, scholarships, hostel or travel extras, or currency moves for overseas study. Use this as a planning baseline for 2026, then revisit as real fees change.
How much should I save every month for my child education in India?
A practical approach in India is to estimate the future college cost after inflation and then invest a monthly amount that bridges the gap. This calculator helps you do that quickly for 2026.
Does this calculator include education inflation?
Yes. It projects education costs using an inflation rate so you can see the likely cost at college entry, not just today’s value.
Can I change currency and assumptions?
Yes. You can adjust annual cost, inflation, return assumptions, study duration, and currency to match your planning style.
How does the monthly gap connect to the SIP calculator?
When savings fall short, the tool estimates the monthly contribution needed to close the gap. You can jump to the SIP calculator with that monthly amount and remaining years prefilled to model step-ups and corpus growth.
What return rate should I assume for education goals?
Many planners use a diversified equity-oriented assumption for long horizons (often around 10–12% p.a. before costs) and a lower rate as the child nears college. Stress-test both conservative and optimistic cases.
Is this tool financial advice?
No. It is an educational planning tool that gives indicative estimates. Always validate your plan with a qualified advisor.
After you estimate the monthly gap, model the SIP that funds it and explore rated funds.