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Sea Wealth
Typical horizon · 5–18 years

Child Education

Education inflation has historically run well above general inflation. A course costing ₹20 lakh today is a materially larger number by the time your child enrols.

Build your child education plan

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yrs
1 yrs25 yrs
₹10,000In today's value₹50.00 Cr
%
0 %How fast this goal's cost rises15 %
₹0Earmarked for this goal₹20.00 Cr
Select risk profile

Moderate assumes a 11% long-run return. A more aggressive profile lowers the SIP but widens the range of outcomes.

How to plan it

Three decisions, in this order

Getting the sequence right matters more than getting any single number exactly right.

01

Inflate the current cost

Take today's fee for the course you have in mind and grow it forward to the admission year at an education-specific rate.

02

Work backwards to a monthly figure

The deadline is fixed by your child's age, so the only variables you control are the monthly amount and the start date.

03

De-risk as admission approaches

The corpus moves out of equity in the final two to three years. This deadline cannot be deferred to wait for a recovery.

Allocation for this horizon

Equity early, shifting decisively to debt in the last three years before admission.

Confirm against your risk profile

Put a number on it

Project what a monthly investment grows into over time.

Open the SIP Calculator

Other goals

Dream Home

Build the down payment without wrecking the rest of your plan.

Wealth Creation

The open-ended goal — growing capital without a fixed deadline.

Retirement

Fund a thirty-year second innings that inflation keeps repricing.

Start with one goal.

Tell us what you are saving for and we will show you the monthly number that gets you there — no obligation, no product pitch.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.