Bachche ki padhai ke liye har mahine kitna nivesh chahiye, mehngai ke saath
Yeh sirf anumaan hai, financial advice nahi. Aap jo bharte hain, woh aapke device par hi rehta hai.Padhai ka kharcha har saal badhta hai, isliye aaj ki fees dekh kar bachat tay karna adhoora hisaab hai. Bachche ki aaj ki umar, kis umar par paisa chahiye, aaj ki fees, fees par mehngai, aur aap kitna return maan rahe hain — paanch cheezein daaliye. Nateeja: us waqt ki asli fees, ab tak ki bachat ki keemat, aur har mahine kitna nivesh chahiye, saal dar saal.
Bachche ki aaj ki umar aur kis umar par paisa chahiye, yeh bharein.
Aaj ki fees, fees par mehngai dar, maani gayi return dar aur pehle se jama rakam daalein.
Har mahine kitna lagana hoga woh padh lein — aur step-up chaalu karke farak dekhein.
Yeh calculator ulti disha mein chalta hai. Yeh nahi poochhta ki har mahine ki bachat kitni ban jayegi; yeh us fees se shuru hota hai jo aapke bachche ko sachmuch bharni padegi, aur batata hai ki wahan tak pahunchne ke liye har mahine kitna lagana hoga. Bachche ki aaj ki umar, kis umar par paisa chahiye, aaj ke hisaab se course ka kharch, fees par aap kitni mehngai maan rahe hain, kitna return maan rahe hain, aur jo pehle se jama hai — ye chhe baatein bharni hoti hain.
Pehli, fees par mehngai. Bharat mein padhai ki fees aam taur par saamanya mehngai se tez badhi hai, isliye lakshya aaj ki keemat nahi hai: ₹20 lakh ka course 8% fees mehngai par chaudah saal baad lagbhag ₹58.7 lakh ka bill banta hai. Doosri, jo paisa pehle se rakha hai woh bhi badhta rehta hai, aur maasik rakam nikalne se pehle use lakshya mein se ghata diya jaata hai.
Varsh N = lakshya ki umar − aaj ki umar. Bhavishya ki fees = aaj ka kharch × (1 + mehngai)^N. Lakshya ke samay maujooda bachat = bachat × (1 + return ÷ 12)^(12N). Antar = pehla ghata doosra, aur yeh kabhi shoonya se neeche nahi jaata. Maasik rakam = antar ÷ F, jahan F woh raashi hai jo har mahine ki shuruaat mein lagaya gaya ₹1 bankar taiyaar hota hai. Maasik aankda hamesha upar ki or purnankit hota hai, neeche ki or nahi, taki yojana fees tak pahunche aur kuch rupaye peechhe na reh jaye.
Yeh jaanbujhkar kisi scheme, kisi adhisoochit dar ya kisi product se nahi juda hai. Iska matlab hai ki paisa chahe mutual fund SIP mein jaye, RD mein, PPF mein, Sukanya Samriddhi mein ya inke mel mein — hisaab wahi rehta hai, aur sarkari dar badalne par yeh page purana nahi padta. Return aapka apna anumaan hai, vaada nahi, aur bazaar ka return tay nahi hota. Ye aankde sirf jaankari ke liye hain, nivesh salah nahi. Upar ka poora ganit yahin likha hai taki aap chahein to haath se jaanch sakein.
Yeh chaar baaton par tay hota hai, aur inhi mein se kisi ka andaza galat lagane par yojnayen bigadti hain: kitne saal bache hain, aaj ki fees kitni hai, fees kitni tezi se badh rahi hai, aur aap kitna return maan rahe hain. 4 saal ke bachche, ₹20 lakh ke course, 8% mehngai aur 11% return par jawab hai lagbhag ₹14,692 har mahine.
Bharat mein school aur college ki fees aam taur par consumer price index se tez badhi hai, isliye saamanya mehngai se upar ka aankda lena surakshit rehta hai. Private course ke liye kai parivaar 8% se 10% maankar chalte hain. Dono siron par chalakar dekhein aur unche wale maasik aankde ke hisaab se yojana banayein.
Chakravriddhi yahi karti hai. ₹20 lakh ka course 8% saalana par chaudah saal baad lagbhag ₹58.7 lakh ka bill banta hai, kyunki har saal ki badhotri badhi hui rakam par lagti hai, mool rakam par nahi. Avadhi chhoti karein to antar ghatta hai; lambi karein to ummeed se kahin tez badhta hai.
Bilkul nahi, aur yahi iski khoobi hai. Return wahi hai jo aap bharte hain, isliye yahi jawab mutual fund SIP, RD, PPF, Sukanya Samriddhi ya inke mel — sab par laagu hota hai. Koi sarkari dar kahin istemal nahi hoti, isliye timahi darein badalne par yeh page purana nahi padta.
Har saal 10% badhane par shuruaat kam se ho sakti hai: ₹20 lakh wale udaharan mein pehla saal ₹14,692 ke bajaye lagbhag ₹8,686 mahina padta hai, jo aakhri saal tak kareeb ₹30,003 ho jaata hai. Kul jama zyada baithti hai, kyunki paisa der se lagta hai aur kam samay badhta hai.
Koi bhi anumaan guarantee nahi hota, kyunki return ek maanyata hai, vaada nahi, aur bazaar ka return ghatta-badhta rehta hai. Ganit sateek hai aur neeche ke bajaye upar ki or purnankit karta hai, isliye aapki bhari hui dar par yojana lakshya tak pahunchti hai. Har ek-do saal mein aankda dobara dekh lein.
Jo rakam pehle se rakhi hai woh bhi lakshya ki tarikh tak badhti rehti hai, isliye use usi maani gayi dar par badhakar bhavishya ki fees mein se ghataya jaata hai. Bacha hua antar hi maasik rakam tay karta hai. Agar maujooda bachat akele lakshya poora kar deti hai, to antar shoonya rehta hai.
Formula only: no rates or limits are read from an official source.
Jawab nahi mila? Bachche Ki Padhai Ke Liye Kitna Nivesh ke baare mein poochein, jise pata hoga woh jawab dega. Account banane ki zaroorat nahi.
Same job, other tools: ROI Calculator – Return on investment as a total percentage and as a yearly (annualised) rate.
On the related tools: Step-up SIP Calculator – See how raising your SIP every year changes the final corpus.