Invest today for their tomorrow
Education costs are rising faster than general inflation. Find out how much you need to save to secure your child's higher education.
Details
How much this degree costs if they started today.
Assumptions
Adjust these rates to see conservative or optimistic scenarios.
Education inflation is typically higher than general CPI inflation.
Education Funding Plan
Illustrative Future Cost of Education
₹34,52,271
Funding Gap
₹30,15,922
Illustrative Monthly Investment
₹8,023 / mo
Calculator results are illustrative and based entirely on the values and assumptions entered. Market returns are not fixed or guaranteed. Inflation, costs and actual investment outcomes may differ. These tools do not constitute personalised financial advice or a recommendation of any particular product.
Planning considerations to explore
Goals are rarely achieved in isolation. The considerations below outline factors that may be relevant depending on your specific timeline and circumstances. None of these constitute a personalised recommendation.
Emergency Reserves
Maintaining adequate liquid reserves is commonly considered a prerequisite before directing surplus toward long-term or illiquid investments.
Typically 3–6 months of essential expenses; exact requirement varies.
Discuss your situationProtection Needs
Protection gaps — including term life and health insurance — are an option to discuss before committing significant savings to a long-term goal.
Not a recommendation for any specific product. Suitability depends on individual circumstances.
Learn about insuranceSaving & Investment Pathways
Market-linked accumulation (like mutual funds) or capital-preservation instruments (like post office schemes) may be explored based on your horizon and risk profile.
Returns are not guaranteed. Market-linked investments are subject to market risks.
Explore mutual fundsExisting Commitments & Overlapping Goals
Calculators view goals in isolation, but real life involves balancing multiple priorities, debts, and income constraints simultaneously.
A holistic discussion can help prioritise competing financial demands.
Discuss your goalsAll pathways listed are for educational and discovery purposes only. They are not personalised financial advice and do not constitute a solicitation to invest. Please consult SM Investments directly to determine suitability for your specific goals and circumstances.