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About this tool
Project the future cost of your child's education after education inflation and the monthly SIP needed to fund it.
Child Education Cost Planner projects what a course costing today's fees will actually cost when your child enrols, inflating every academic year separately at your education inflation rate. It then works out the corpus you need on admission day and the monthly SIP — or one-time lumpsum — that closes the gap after your existing savings grow. Built for parents planning school, undergraduate or overseas education goals.
Open Child Education Cost Planner on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Every academic year is inflated to the year it is actually paid, not just the first.
See the monthly investment and the equivalent one-time amount side by side.
Money already earmarked is grown at your expected return and netted off the target.
Education costs in India have historically risen faster than general CPI, so many planners use 8-10% a year against a 6% general inflation assumption. Run both ends of that range to see the spread.
You do not need every rupee on day one. Money for the second, third and later academic years stays invested and keeps earning, so it is discounted back to admission day at your expected return.
Equity-oriented returns like 12% suit goals more than seven to ten years away. For a goal within three years, use a conservative debt-like rate, since equity can be down when the fee is due.
Only if you include them in the annual fee you enter. For overseas education especially, add living expenses and a buffer for currency movement to the annual figure.
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