CHILD WEALTH

What will school and college cost alongside your SIP?

Adjust the illustrated starting numbers. Your age and your child's age are shared across goals; other inputs stay in this child plan.

Shared profile

Your current ageIllustrative exampleUsed to place the child goal beside your other goals on the shared timeline.

Child and SIP

Child's current ageIllustrative exampleThe child’s age today, used as year zero for every cost.Monthly SIP for child (₹)Illustrative exampleThe amount invested each month only for this child goal.Annual SIP increase (%)Illustrative exampleHow much you expect to raise that monthly SIP each year.Expected annual return (%)Illustrative exampleThe assumed yearly growth of the invested child fund; it is not guaranteed.

School

School starts at ageIllustrative exampleThe child age when annual school withdrawals begin.School ends at ageIllustrative exampleThe last child age with an annual school withdrawal.School cost today (₹/year)Illustrative exampleOne year of school fees and related costs in today’s rupees.School inflation (%)Illustrative exampleHow quickly school costs may rise each year.

College

College starts at ageIllustrative exampleThe child age when annual college withdrawals begin.College ends at ageIllustrative exampleThe last child age with an annual college withdrawal.College cost today (₹/year)Illustrative exampleOne year of college cost in today’s rupees.College inflation (%)Illustrative exampleHow quickly college costs may rise each year.

Marriage

Marriage ageIllustrative exampleThe age when the one-time marriage amount is withdrawn.Marriage cost today (₹)Illustrative exampleThe planned one-time amount in today’s rupees.Marriage inflation (%)Illustrative exampleHow quickly the planned marriage cost may rise each year.

The source model charges school and college in the same year at age 18. Their costs both appear in the projection below.

Projected child fund

₹24,69,18,949

Closing balance when the child reaches age 40. Negative values mean the fund runs short under these assumptions.

Total invested: ₹4,34,87,919
School withdrawals: ₹30,32,428
College withdrawals: ₹48,84,080
Marriage withdrawal: ₹2,39,64,184

Selected years

Age 1₹4,03,200Withdrawal ₹0

Age 3₹13,12,465Withdrawal ₹1,00,000

Age 18₹2,19,63,613Withdrawal ₹11,17,217

Age 28₹5,12,06,261Withdrawal ₹2,39,64,184

Age 40₹24,69,18,949Withdrawal ₹0

PLAIN-LANGUAGE GUIDE

Child education and SIP calculator

Project school, college and marriage costs with separate inflation assumptions, then see whether a monthly SIP could fund those milestones together.

Enter costs in today’s rupees so inflation is applied consistently.
Use an expected return you can defend, not a guaranteed market outcome.
A negative closing balance shows the plan runs short under the selected assumptions.

Read the formulas, defaults and limitations before using an illustration for a real decision.