Child Higher Education Planner Pro
Expert Financial Modeling for Future College Goals
Future Planning Report
The Critical Need for Child Higher Education Planning
In the current Indian economic landscape, Education Inflation is the silent killer of middle-class savings. While standard inflation stays at 6%, the cost of premier MBA, Medical, and Engineering courses is rising at 10% to 12% annually. Without a dedicated child future planner, parents often find themselves liquidating retirement funds or taking high-interest education loans.
Beat 10% Inflation
Plan with future prices, not today's. A ₹25 Lakh IIM course today will cost ₹1 Crore in 15 years.
Course Presets
Quick-start with data-backed costs for Medicine, Engineering, and Study Abroad programs.
Step-Up Advantage
Increase your SIP by 10% annually to reach large goals with a small starting amount.
Projected Costs of Professional Courses (10% Inflation)
| Course Name | Cost in 2026 | Cost in 2036 | Required SIP (12% Ret) |
|---|---|---|---|
| MBBS (Private India) | ₹50,00,000 | ₹1,29,68,000 | ₹55,800 |
| MBA (Top B-Schools) | ₹25,00,000 | ₹64,84,000 | ₹27,900 |
| B.Tech (Pvt University) | ₹15,00,000 | ₹38,90,000 | ₹16,700 |
Frequently Asked Questions
Is 12% return realistic for education planning?
Historically, diversified Indian Equity Mutual Funds have delivered 12-14% CAGR over a 10+ year period. While markets fluctuate, equity is the best asset class to beat 10% education inflation.
What is a Step-Up SIP?
A Step-Up SIP is an investment strategy where you increase your monthly contribution by a fixed percentage (usually 10%) every year as your income grows. This significantly boosts the final corpus without straining your current finances.