The monthly amount that gets a child’s fee ready on time, after education inflation
Estimates only, not financial advice. What you type stays on your device. Updated on 24 Oct 2026.Education fees rise faster than most prices, so a course costing ₹20 lakh today bills about ₹58.7 lakh in 14 years at 8 per cent inflation. Reaching that from a 4-year-old, assuming an 11 per cent return, takes roughly ₹14,692 a month. Starting later raises the figure sharply.
Tap a course chip such as Private degree or Medicine, or set What the course costs today yourself.
Enter the Child’s age today and the Age the money is needed.
Set Fee inflation and the Return you are assuming; both are your own estimates.
Add anything Already saved for this, and a yearly step-up if your income rises.
Read the monthly amount to invest, then press Share result to copy a link to this plan.
The child education goal calculator works backwards. Instead of asking what a monthly investment grows into, it starts from the fee your child will actually be billed and tells you the monthly amount that gets you there. Enter the child's age today, the age the money is needed, what the course costs at current fees, the inflation you expect on those fees, the return you are prepared to assume, and anything already saved.
Two things make the answer different from a plain SIP sum. The first is inflation on fees, which has historically outrun general inflation in India, so the target is not today's price: a ₹20 lakh course at 8% fee inflation is billed at about ₹58.7 lakh fourteen years later. The second is that money already set aside keeps compounding too, and is subtracted from the target before the monthly figure is worked out.
The arithmetic, in plain text. Years N = goal age − age today. Future fee = cost today × (1 + inflation)^N. Existing savings at the goal = savings × (1 + return ÷ 12)^(12N). Gap = the first minus the second, never below zero. Monthly amount = gap ÷ F, where F is what a ₹1 monthly plan grows to, paid at the start of each month. The monthly figure is rounded up, never down, so the plan reaches the fee rather than landing a few rupees short.
Nothing here is tied to a scheme, a rate notification or a product, which is deliberate: it stays correct whatever the money goes into, and it cannot go out of date when a government rate changes. The return is your assumption, not a promise, and market returns are not guaranteed. Estimates for information only, not financial advice.
Sources: none needed. Every figure is either your own input or standard compound interest arithmetic, shown above so it can be checked by hand.
Depends on four things, and guessing any of them is where most plans go wrong: the years you have, the fee at today's prices, how fast fees are rising, and the return you assume. For a 4-year-old, a ₹20 lakh course, 8% fee inflation and an assumed 11%, the answer is about ₹14,692 a month.
College and school fees in India have generally risen faster than the consumer price index, so a figure above headline inflation is the cautious choice. Many families plan on 8% to 10% for private courses. Run the calculator at both ends of that range and plan for the higher of the two monthly figures.
Compounding does that. A ₹20 lakh course at 8% a year is billed at about ₹58.7 lakh after fourteen years, because each year's increase applies to the increased amount, not the original. Shorten the horizon and the gap narrows; lengthen it and the gap widens far faster than people expect.
None at all, which is the point. The return is whatever you enter, so the same answer works for a mutual fund SIP, a recurring deposit, PPF, Sukanya Samriddhi or a mix. No government rate is used anywhere, so nothing on this page goes out of date when the quarterly small savings rates change.
Raising the amount 10% a year lets you start lower: for the ₹20 lakh example the first year is about ₹8,686 a month instead of ₹14,692, rising to roughly ₹30,003 by the final year. Total paid in is higher, because the money goes in later and compounds for less time.
No projection is guaranteed, because the return is an assumption rather than a promise, and market returns vary. The arithmetic is exact and rounds up rather than down, so the plan reaches the target at the return you entered. Review the figure every year or two and adjust it.
Padhai ke liye kitna nivesh karna hoga, yeh chaar baaton par tay hota hai: kitne saal bache hain, aaj ki fees, fees par mehngai, aur aap kitna return maan rahe hain. 4 saal ke bachche, ₹20 lakh ki fees, 8% mehngai aur 11% return par jawab hai lagbhag ₹14,692 har mahine.
Formula only: no rates or limits are read from an official source.
Still stuck? Ask about Child Education Goal Calculator and anybody who knows can answer. No account needed.
Same job, other tools: US Inflation Calculator – US inflation between any two years since 1913: price change, yearly rate and dollar value · CPI Inflation Calculator – Adjust a dollar amount for inflation with the CPI-U index, with the formula and every year.
On the related tools: Step-up SIP Calculator – See how raising your SIP every year changes the final corpus.
Also works as: How Much To Save For Child Education.
In the collections Investment Calculators · Student Calculators.