Goal Studio · Child education
Plan for your child’s education
Price the course you have in mind in today’s money. Education costs tend to rise faster than general prices, so this plan uses a separate, higher inflation assumption — change it to what you see.
- Education inflation
- 10%
- Assumed return
- 12%
Starting assumptions — hypothetical and editable below.
Your plan
Illustrative investment needed
₹19,642a month
To have ₹1.04 Cr in 2041 (₹25 L in today’s money), invest about ₹19,642 a month, at an assumed 12% a year.
- Cost in 2041
- ₹1.04 Cr
- ₹25 L in today’s money, at 10% inflation
- What you have could grow to
- ₹10.95 L
- ₹2 L today, at 12% a year
- Funding gap
- ₹93.48 L
- Future cost minus what you have could grow to
- You would invest in total
- ₹35.36 L
- New contributions over 15 years
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This is an illustration, not a forecast or a promise. It is based on the assumptions shown, which are hypothetical and yours to edit. Actual returns may differ, sometimes significantly, and market-linked investments involve risk, including the possible loss of capital. Taxes, costs and inflation can change the outcome.
Assumptions behind these numbers
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
- Cost in today’s money
- ₹25,00,000
- Years to goal
- 15 years
- Inflation for this goal (annual)
- 10%
- Already invested
- ₹2,00,000
- Assumed annual return (illustrative)
- 12%
- Contribution frequency
- Monthly
How it is calculated
- Inflation is an effective annual rate. Value in today’s money = future amount ÷ (1 + inflation)^years.
- The annual return is an effective annual (compound) rate; the periodic rate is (1 + annual rate)^(1/periods) − 1.
- Contributions are assumed at the start of each period.
- These figures are illustrations based on hypothetical assumptions, not forecasts. Actual returns may differ, and market-linked investments involve risk.
Formula set v1.0.0
What to consider
Before you settle on a child education number
Education inflation
Fees have tended to rise faster than everyday prices. Our default is 10% a year; if the course you are looking at has moved differently, use that.
Which course, where, for how long
An undergraduate degree in India and a postgraduate degree abroad are very different numbers. Price the path you have in mind; for study abroad, the exchange rate moves the cost too.
Living costs, not just fees
Hostel or rent, travel, books and devices can add a meaningful share to the tuition figure.
A date that does not move
Fees fall due on a fixed date. Many families move money towards lower-volatility options as the date approaches, so a late market fall hurts less.
Explore
Products people often explore for this goal
Education first: each page explains how the product works, its risks and costs. Nothing here is a recommendation.
Pooled portfolios, priced daily and regulated by SEBI. Understand them first.
Tools
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Academy
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