Education Planning Calculator
Plan and save for your child's education goals
Child & Education Details
Investment Details
Investment Allocation (%)
Total: 100%
Education Goals
🎓 Education Planning Tips
- • Start early to benefit from compound growth
- • Education inflation is typically higher than general inflation
- • Use ELSS and PPF for tax-efficient savings
- • Consider education loan as backup option
- • Review and adjust plan annually
Education Goal Summary
Future Education Cost:₹0
Total Goal Amount:₹0
Years to Goal:0 years
Monthly Investment Needed:₹0
Current Investment Status
Total Investment:₹0
Maturity Amount:₹0
Surplus:₹0
Cost Breakdown
Tuition Fees:₹0
Living Expenses:₹0
Books & Materials:₹0
Coaching Fees:₹0
Contingency (10%):₹0
Inflation Impact
Total Inflation Impact:₹0
Portfolio Allocation
Year-wise Investment Progress
| Year | Child Age | Annual Investment | Portfolio Value | Target Cost | Progress | Gap |
|---|
Alternative Investment Scenarios
Education Loan Analysis
Loan Details
Eligible Loan Amount:₹0
Interest Rate:% p.a.
Repayment Tenure: years
Monthly EMI:₹0
Cost Analysis
Total Interest:₹0
Total Repayment:₹0
Tax Benefits:₹0
Net Cost:₹0
Strategic Recommendations
Education Planning Guide
Investment Strategy by Timeline
- • 10+ years: 70-80% equity allocation
- • 5-10 years: 60% equity, 40% debt
- • 3-5 years: 40% equity, 60% debt
- • 1-3 years: 20% equity, 80% debt/FD
- • Use step-up SIP to combat inflation
- • Review goals annually and adjust
Tax-Efficient Options
- • ELSS funds for Section 80C benefits
- • PPF for 15-year tax-free growth
- • Sukanya Samriddhi for girl child
- • Education loan interest deduction
- • LTCG tax planning for equity funds
- • International funds for foreign education