Child Education Planner — MutualFundAnalysis

🚀 Quick Course Cost Benchmarks (Today's Value)

Configure parameters and click Calculate Education Plan.

💡 How Child Education Planning Works & Key Rules

🔥 The Impact of Education Inflation

Higher education costs in India rise at 8% to 12% annually — nearly double general retail inflation:

A course costing ₹25 Lakhs today will cost ₹1.04 Crore in 15 years at 10% inflation.
Never plan using today's fees; always calculate monthly SIP against the inflation-adjusted future cost.

🛡️ Equity-to-Debt Glide Path Strategy

Protect your child's college corpus from market downturns right when college starts:

Age 0–12 Years: Invest 80–100% in Equity Mutual Funds for aggressive long-term compounding.
Age 13–15 Years: Gradually shift 30% of corpus into conservative hybrid/debt funds.
Age 16–18 Years (Final 3Y): De-risk 80%+ of corpus into liquid/short-duration debt funds or STPs to lock in gains.

💡 Pro Tip: Step up your SIP by 10% every year as your income grows. This can reduce your starting monthly SIP requirement by up to 35%.