Child Education Planner
School to college, year by year: what a child's education costs once inflated, what it is worth today, and the SIP that meets it
Monthly SIP until age 18
₹43,463
- All costs, inflated
- ₹1,73,24,345
- Worth today
- ₹39,60,154
- Or a lump sum today
- ₹34,60,154
Each year’s cost is due at the start of that year.
Each stage, inflated to when it falls due
- Primary school (classes 1–5)
- ₹5,37,249
- Middle school (6–8)
- ₹6,15,706
- Secondary (9–10)
- ₹6,43,720
- Senior secondary (11–12)
- ₹9,28,689
- Undergraduate
- ₹64,08,796
- Postgraduate
- ₹58,37,913
- Coaching, books and activities (school years)
- ₹23,52,271
- Total
- ₹1,73,24,345
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How this is calculated
Formula
SIP = (PV of costs − savings) ÷ PV of ₹1 a month, start of month, for n months
With your numbers
- 1Costs18 years of costs, ₹1,73,24,345 once inflated at 10.0%
- 2Worth todayΣ cost ÷ (1 + r/12)^(12 × years ahead)₹39,60,154
- 3After savings₹39,60,154 − ₹5,00,000 = ₹34,60,154
- 4SIP156 months → ₹43,463 a month
- The return compounds monthly at r ÷ 12, as in the SIP calculator, and costs are discounted the same way.
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