Education Goal Planner

Turn today's course fee into a future cost and a monthly SIP to save for it.

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Education Goal Planner

Future fees and the monthly SIP to reach them

The goal

Course cost today

₹

Total fees you would pay if the course started now.

Years until fees are due

yrs

Fee inflation a year

Education costs usually rise faster than general prices.

Your plan

Already saved for this

₹

Expected return a year

Raise SIP each year by

0 keeps the SIP flat.

Monthly SIP needed₹19,273start of each month

Future cost of the course₹43.18 L₹43,17,850 in 10 years

Your savings will grow to₹0

Still to build₹43.18 L

You will invest in total₹23.13 L

Savings balance each year

Balance
Money put in

Year-by-year growth (10 rows)

Year	Money put in (₹)	Balance (₹)
1	2,31,276	2,46,049
2	4,62,553	5,21,624
3	6,93,829	8,30,268
4	9,25,105	11,75,949
5	11,56,382	15,63,112
6	13,87,658	19,96,735
7	16,18,934	24,82,392
8	18,50,211	30,26,328
9	20,81,487	36,35,537
10	23,12,763	43,17,850

How it works

Fees for school, college and study abroad usually rise faster than everyday prices. This planner grows today's fee by that rate to the year you will need it, then works out the monthly investment (SIP) that gets you there.

Future cost = today's cost × (1 + inflation)ⁿ = ₹20,00,000 × (1 + 8%)^10 = ₹43,17,850.
Savings already set aside grow to ₹0, leaving ₹43,17,850 to build.
The SIP is found so its monthly-compounded future value (at 12% a year) equals that gap: ₹19,273 a month.

Use the cost of the whole course, not one year, if you want to fund it in one go.
Raising the SIP a little each year as your income grows lowers the starting amount.
Start early: ten extra years of growth can cut the SIP by more than half.

Future value by compound growth: cost × (1 + i)ⁿ. SIP solved from the annuity-due future value with monthly compounding at (1 + r)^(1/12) − 1, summed month by month so a yearly step-up is exact. No tax rules apply, so none are cited. Tests check ₹20 lakh at 8% for 10 years = ₹43,17,850, the annuity-due closed form, and that the solved SIP lands on the goal.

Preparing tool

How to use Education Goal Planner

Enter what the course costs today and how many years until the fees are due.
Add the fee inflation, your expected return and any savings already set aside.
Read the future cost, the monthly SIP and the year-by-year growth.

Read the detailed guide →

What are the limits of Education Goal Planner?

Fee inflation and returns are assumptions, not promises; market-linked returns can fall short. Results are before tax. It does not pick investments or give advice. Nothing you enter leaves your device.

Year

Money put in (₹)

Balance (₹)

2,31,276

2,46,049

4,62,553

5,21,624

6,93,829

8,30,268

9,25,105

11,75,949

11,56,382

15,63,112

13,87,658

19,96,735

16,18,934

24,82,392

18,50,211

30,26,328

20,81,487

36,35,537

23,12,763

43,17,850