Child Education SIP Planner
Beat the 10% education inflation. Plan the SIP required for your child₹s domestic or international university degrees.
Real-World Scenarios
Over 12 years. Covers high-quality MBA or Engineering degrees in India.
Required for IVY league or top global medical degrees starting 15 years from now.
Professional Strategy Insights
- Gold as a Hedge: Consider putting 5-10% of the education fund in Gold as a hedge against currency depreciation (critical for study abroad).
- Step-Up is Mandatory: Increase your child₹s education SIP by 10% annually to match the aggressive rise in tuition fees.
Frequently Asked Questions
What is the inflation rate for education?
In India, education inflation is roughly 10-12%, significantly higher than the general CPI inflation of 6%.
Which funds are best for child education?
Large & Mid-cap or Flexi-cap funds are ideal for a 10-15 year horizon to maximize growth.
Mathematical Methodology
At eCalcy, transparency is our core principle. This SIP calculator utilizes the Future Value (FV) of Annuity Due formula with monthly compounding intervals (n=12). We account for compounding frequencies (Quarterly for FD, Monthly for SIP/EMI) to ensure 99.9% accuracy compared to official bank statements.
Financial Disclaimer
Calculations provided by eCalcy are estimates for educational purposes only. They do not constitute financial advice. Fixed deposit rates and mutual fund returns are subject to market risks and bank policy changes.
Always consult a SEBI-registered advisor or certified CA before making investment decisions.
Verified Data Sources
Ritesh Narang
Verified ExpertLead Finance Researcher & Editorial Director, eCalcy
Financial Technology Specialist · Verified by RBI, SEBI & IRS Guidelines
Reviewed: April 2026
Every formula and editorial guide on eCalcy is reviewed by the eCalcy Editorial & Research Board and cross-referenced against RBI circulars, SEBI regulations, and the Income Tax Department guidelines. eCalcy is NOT a SEBI-registered investment advisor — all tools are educational planning aids only.