🇮🇳India · 2025-26

Child Education Planner for India

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)

Child Education Planner
Accounts for regional INR inflation rates.
yrs
yrs
₹

Enter your child's age and target tuition to reveal the projected cost of their degree.

India Education Cost Reality (2025)

Current costs. At 10% annual inflation these double roughly every 7 years.

CourseInstitution TypeCurrent CostCost in 15 YrsMonthly SIP Needed
B.TechIIT (Govt)₹8–12L₹33–50L₹5,500–8,500/mo
B.TechPrivate Engineering₹6–18L₹25–75L₹4,000–12,000/mo
MBBSGovt Medical₹1–5L₹4–21L₹700–3,500/mo
MBBSPrivate Medical₹50–90L₹2–3.7Cr₹35,000–62,000/mo
MBAIIM A/B/C₹25–35L₹1–1.5Cr₹17,000–25,000/mo
MS/MBAUSA/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.

Best Instruments for India Education Planning

Equity Mutual Fund SIP

11–13% CAGR · LTCG 12.5% after ₹1L

15+ year horizon. Best wealth creation. Index or flexi-cap funds recommended.

Sukanya Samriddhi (Girls)

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.

PPF

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.

Frequently Asked Questions