SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
Education Calculator
Project education costs at education-specific inflation, allow for what you have already saved, and estimate the monthly investment needed.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
Typically begins around age 18. The cost shown is an editable starting point, not a researched figure.
₹1,00,00015 Lakh₹5,00,00,000
025
130
14 years available to invest.
020
130
Returns are not guaranteed.
₹02 Lakh₹5,00,00,000
₹0₹5,00,000
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Estimated monthly investment required
₹7,856
To close the projected shortfall of ₹34,28,368 over 14 years, in addition to what you are already doing.
Future cost of this education goal
₹44,05,790
After inflation, at the time the money is needed
Projected from what you have
₹9,77,422
22% of the future cost
Projected shortfall
₹34,28,368
Amount still to be provided for
Or a one-time investment of
₹7,01,512
Invested today instead of monthly
Projected funding of this education goal
22%Existing savings and investments are projected to cover 22% of the future cost. The remainder is the shortfall shown above.
Your investments against the rising cost
The dashed line is the cost of the education goal, rising with inflation. The solid line is the projected value of your savings and investments, including the monthly figure suggested above.
Year-by-year projection
| Year | Total invested | Estimated growth | Projected value | Cost of the goal |
|---|---|---|---|---|
| 1 | ₹2,94,268 | ₹30,358 | ₹3,24,626 | ₹16,20,000 |
| 2 | ₹3,88,537 | ₹76,357 | ₹4,64,894 | ₹17,49,600 |
| 3 | ₹4,82,805 | ₹1,39,963 | ₹6,22,769 | ₹18,89,568 |
| 4 | ₹5,77,074 | ₹2,23,386 | ₹8,00,460 | ₹20,40,733 |
| 5 | ₹6,71,342 | ₹3,29,114 | ₹10,00,456 | ₹22,03,992 |
| 6 | ₹7,65,610 | ₹4,59,949 | ₹12,25,560 | ₹23,80,311 |
| 7 | ₹8,59,879 | ₹6,19,045 | ₹14,78,923 | ₹25,70,736 |
| 8 | ₹9,54,147 | ₹8,09,950 | ₹17,64,097 | ₹27,76,395 |
| 9 | ₹10,48,415 | ₹10,36,659 | ₹20,85,075 | ₹29,98,507 |
| 10 | ₹11,42,684 | ₹13,03,672 | ₹24,46,356 | ₹32,38,387 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Education inflation
- 8%
- Kept separate from general inflation because education costs in India have historically risen faster. This is your assumption, not a forecast.
- Expected annual return
- 12%
- As the funding date approaches, many investors gradually reduce risk, which usually lowers the expected return in later years.
- Years available
- 14 years
- Derived from the child's current age and the age at which funding is needed.
- Currency risk
- Not applicable
- Costs are assumed to be incurred in Indian Rupees.
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Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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संपत्तीची उभारणी. भविष्याची सुरक्षा.
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
गुंतवणूक बाजारातील जोखमींच्या अधीन आहे. परताव्याची हमी नाही. कोणतीही चर्चा शैक्षणिक स्वरूपाची असते आणि ती कोणतेही आर्थिक उत्पादन खरेदी किंवा विक्री करण्याची शिफारस नाही.