Child's education planner
Enter today's cost of the course and your child's age. See the future cost and what to invest each month.
- Education inflation
- SIP or lump sum
- Free, no sign-up
Tax help for parents
Tuition fees and Sukanya Samriddhi deposits count for 80C in the old regime. Our experts make sure you claim them.
Questions people often ask
Do school fees save tax?
Tuition fees for up to two children count for 80C in the old regime, within ₹1.5 lakh. Development fees and transport don't.
Is Sukanya Samriddhi good for education?
For a daughter, yes: up to half the balance can be withdrawn for education once she's 18, and the interest is tax-free.
Planning the fees
Three steps.
- Grow today's cost by education inflation.
- Subtract what your savings will grow to.
- Find the SIP, or lump sum, for the rest.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
- Salaried individuals: income and deductions Income Tax Department
Common questions
How is the future cost worked out?
Today's cost × (1 + education inflation)^years until the course starts.
What inflation should I use?
Education costs have often risen faster than general prices; 8% to 10% is a common planning assumption.
How much for ₹25 lakh in 13 years?
At 8% inflation it'll cost about ₹68 lakh. At a 12% return, that's a SIP of about ₹18,086 a month.
SIP or lump sum?
A lump sum today needs less money in total; a SIP spreads it out. The calculator shows both.
Should I use Sukanya Samriddhi?
For a daughter, it's a safe, tax-free option. Many parents combine it with equity SIPs for growth.
