Goal planning
Child Future Planning Calculator
Plan for a child’s education and start in life together.
Your figures
Provision cost when needed
₹3,53,78,403
- Monthly investment needed
- ₹43,708
- Shortfall to fund
- ₹3,34,55,912
- Existing savings will grow to
- ₹19,22,491
- Or invest today, one time
- ₹43,50,593
- Delaying by three years raises the required instalment to about 51,430 — the cost of starting late compounds too.
How this is calculated
Future cost = today’s cost × (1 + inflation)^years. Required monthly investment = shortfall ÷ [((1 + i)^n − 1) ÷ i × (1 + i)], i = return ÷ 12.
A combined provision for higher education and the costs that follow it. Because the horizon is long, the instalment is modest relative to the eventual sum — provided it starts now.
Assumptions used
- Education inflation10%
- Equity — long term12%
- The goal cost is inflated at the rate you set. Using general inflation for a category that rises faster understates the requirement.
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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