Calculate how much to save for IIT, MBBS, MBA or study abroad — using India's 10–12% education inflation, SIP projections, and Section 80C-eligible instruments.
10–12%
Annual education inflation
₹8–12L
IIT B.Tech (4 yrs, 2025)
₹50–90L
Private MBBS (5.5 yrs)
₹80L–1.5Cr
Abroad (US/UK, 2 yrs MBA)
Enter your child's age and target tuition to reveal the projected cost of their degree.
Current costs. At 10% annual inflation these double roughly every 7 years.
| Course | Institution Type | Current Cost | Cost in 15 Yrs | Monthly SIP Needed |
|---|---|---|---|---|
| B.Tech | IIT (Govt) | ₹8–12L | ₹33–50L | ₹5,500–8,500/mo |
| B.Tech | Private Engineering | ₹6–18L | ₹25–75L | ₹4,000–12,000/mo |
| MBBS | Govt Medical | ₹1–5L | ₹4–21L | ₹700–3,500/mo |
| MBBS | Private Medical | ₹50–90L | ₹2–3.7Cr | ₹35,000–62,000/mo |
| MBA | IIM A/B/C | ₹25–35L | ₹1–1.5Cr | ₹17,000–25,000/mo |
| MS/MBA | USA/UK (abroad) | ₹80L–1.5Cr | ₹3–6Cr | ₹50,000–1L/mo |
SIP at 12% CAGR (equity fund). Future cost at 10% annual education inflation. Start early — delay of 5 years roughly doubles the required monthly SIP.
11–13% CAGR · LTCG 12.5% after ₹1L
15+ year horizon. Best wealth creation. Index or flexi-cap funds recommended.
8.2% p.a. · Fully tax-free (EEE)
For girl children only. 80C eligible. Max ₹1.5L/yr. Withdraw 50% at age 18 for education.
7.1% p.a. · Fully tax-free (EEE)
Safe long-term. 80C eligible. 15-year lock-in. Partial withdrawal from year 7. Good debt component.