Child Education SIP Calculator

The earlier, the better. Starting when the child is young gives more years for compounding and allows smaller monthly amounts. Even ₹3,000–₹5,000 started early can grow meaningfully with disciplined step-up.

Many parents use aggressive hybrid or flexi-cap / large-cap equity funds for horizons above 7–10 years, and shift to debt or balanced funds as the goal date nears. Choice depends on risk appetite and time left — consult a SEBI-registered advisor if unsure.

Assume 8–12% annual cost inflation for professional courses. Your SIP return assumption should exceed inflation over the long run for real growth. The calculator shows corpus at your assumed return; separately stress-test if fees rise faster than expected.