Project future college costs and the monthly saving needed.
A programme costing ₹4,00,000 a year today, starting in 10 years with 8% education inflation, will cost ₹38,91,343.13 in total over four years.
Education costs usually rise faster than general inflation. Enter today's yearly cost, how many years until your child starts, the length of the course and expected cost inflation. The calculator projects the cost of each year and the total, compares it with your savings plus growth, and shows the monthly saving needed.
Starting early makes a huge difference thanks to compounding. Consider a goal-based investment for long horizons — see the Savings Calculator and Investment Calculator — and the Student Loan Calculator if borrowing is likely.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Cost per year today | ₹4,00,000.00 |
| Total future cost | ₹38,91,343.13 |
| Needed at start (kept invested while studying) | ₹34,54,280.00 |
| Savings grown to the start date | ₹4,31,785.00 |
| Shortfall at start | ₹30,22,495.00 |
| Monthly saving needed | ₹16,780.05 |
| Year of study | Cost that year |
|---|---|
| 1 | ₹8,63,570.00 |
| 2 | ₹9,32,655.60 |
| 3 | ₹10,07,268.05 |
| 4 | ₹10,87,849.49 |
| Case | Total cost |
|---|---|
| Starting in 5 years | ₹26,48,382.75 |
| Starting in 10 years | ₹38,91,343.13 |
| Starting in 15 years | ₹57,17,659.72 |
| Inflation 6% | ₹31,33,708.39 |
| Cost ₹6,00,000 a year | ₹58,37,014.70 |
Multiply today's yearly cost by (1 + education inflation)^years for each year of study, then add the years.
Often 6–10% a year in India — faster than general inflation. Use a rate that fits your course.
The calculator solves for it: the shortfall at the start date divided by the growth factor of one rupee saved monthly.
A cautious figure that suits the time horizon and your risk comfort; avoid assuming very high returns.
Yes — add hostel, books and living costs to the yearly figure.
Save more, extend the saving period, consider scholarships or a loan — see the Student Loan Calculator.
It uses the standard formula: costₖ = today's cost × (1 + i)^(t + k) The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
