The future you're building for them
Plan Your Child's Future With Confidence
Estimate how much you'll need for education, higher studies, a wedding or any life goal — and see the monthly SIP that can help you get there.
From First Hope ♥ to First Steps 👣
What are you planning for?
Estimated goal
₹91.1 Lat age 18Monthly SIP
₹19,845per monthYears left
15to investUpdates live as you type
Calculated privately on your device. No signup required.
Your financial journey
One connected plan for your family
Cost of Raising a Child
Birth to 18 estimateFuture Goal Planner
This tool — SIP for goalsSoonMaternity Leave & Pay
Leave, pay & schemesSchool Fee Planner
Coming soonSoonEmergency Fund
Coming soonSoonPlan with clarity
How the SIP plan is calculated
The calculator first grows your goal's cost from today's money to the year you will need it, using your education-inflation assumption. It then grows any savings you have already set aside, subtracts that, and sizes the monthly SIP required to build the remaining corpus at your expected return — showing how much of the final amount is your own contributions versus projected market growth. It also gives the equivalent one-time lump sum you could invest today instead.
Compounding rewards time far more than amount. Beginning a modest SIP when your child is young usually needs a much smaller monthly figure than starting a few years later, because market growth does more of the work — which is exactly what the start-early comparison and what-if scenarios above make visible. Pair this with the cost of raising a child estimate to plan the whole journey, and review your family's insurance alongside your savings.
Frequently asked questions
How much should I invest each month for my child's education?
It depends on the goal's cost today, how many years away it is, and your expected return. Pick a goal above, enter today's cost and your child's age, and the calculator instantly shows the monthly SIP required — plus a one-time lump-sum alternative. As a rule of thumb, starting early dramatically lowers the monthly amount, because compounding does more of the work.
Why does the goal cost grow so much by the time my child needs it?
Education inflation in India runs high — often 8–11% a year, faster than general inflation. A college goal that looks like ₹25 lakh today can be far larger in 15 years, which is why this calculator first projects the inflated future cost and then sizes your SIP to it.
What return should I assume on my SIP?
Long-term diversified equity SIPs in India have historically delivered around 10–12%, but returns are not guaranteed and markets carry risk. The default is a moderate assumption; use the slider to reflect your own view and risk appetite, and see the 'what if returns fall to 8%' scenario to stress-test your plan.
What is the Future Readiness Score?
It's a simple 0–100 signal of how prepared you are for this goal, based on the years you have remaining, how much you've already saved, your real return (return minus inflation) and how early you've started. It's a motivational guide, not a formal financial rating.
Do my existing savings reduce the monthly SIP?
Yes. Anything you've already earmarked for the goal is grown at your expected return and subtracted from the target first, so you only invest for the remaining corpus. The insights panel shows exactly how much your existing savings lower the monthly amount.
Is this financial advice?
No. It is an educational planning estimate, not investment advice, and mutual-fund investments are subject to market risk. Everything is calculated privately on your device. Consult a SEBI-registered financial advisor before investing.