Graduation
- Age
- 18
- Years away
- 13
- Future cost
- ₹51,78,407
- Gap
- ₹51,78,407
- Step-up SIP
- ₹8,903
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Life goals
Children's future
Put a future cost on each milestone, see what your savings already cover, and choose how to fund the rest.
Uses Indian household-planning assumptions. Changing currency changes the displayed units, not the underlying jurisdiction.
About your child
Graduation
Savings earmarked for this milestone.
Assumptions for graduation
Post-graduation
Not planned. Enter today's cost to include it.
Savings earmarked for this milestone.
Assumptions for post-graduation
Marriage
Savings earmarked for this milestone.
Assumptions for marriage
Results update when an input changes. Review the key figures, projection and assumptions below.
Start with ₹12,032 a month, rising 10% a year, to fund ₹1,19,77,534 of future costs.
- Future cost of all milestones
- ₹1,19,77,534
- Covered by savings
- ₹0
- Gap to fund
- ₹1,19,77,534
- Or as a lump sum today
- ₹18,16,082
Graduation
At age 18, 13 years away · ₹51,78,407 in future money
Ways to fund the gap
Each option reaches ₹51,78,407 on its own.
- Step-up SIP · rising 10% a year
- ₹8,903 a month
- Fixed SIP
- ₹14,472 a month
- Lump sum today
- ₹11,86,757
A step-up SIP starts lower and grows with income. A fixed SIP costs more each month at the start, and a lump sum needs the money today.
Marriage
At age 26, 21 years away · ₹67,99,127 in future money
Ways to fund the gap
Each option reaches ₹67,99,127 on its own.
- Step-up SIP · rising 10% a year
- ₹3,129 a month
- Fixed SIP
- ₹6,519 a month
- Lump sum today
- ₹6,29,325
A step-up SIP starts lower and grows with income. A fixed SIP costs more each month at the start, and a lump sum needs the money today.
Milestone schedule
| Milestone | Age | Years away | Future cost | Gap | Step-up SIP |
|---|---|---|---|---|---|
| Graduation | 18 | 13 | ₹51,78,407 | ₹51,78,407 | ₹8,903 |
| Marriage | 26 | 21 | ₹67,99,127 | ₹67,99,127 | ₹3,129 |
Marriage
- Age
- 26
- Years away
- 21
- Future cost
- ₹67,99,127
- Gap
- ₹67,99,127
- Step-up SIP
- ₹3,129
Formula and assumptions
Formula: Each milestone uses the goal-funding method: today's cost grows at its own inflation rate until the target age, savings set aside grow at the expected return, and the remaining gap is priced as a step-up SIP, a fixed SIP or a lump sum invested today.
- Education costs often rise faster than general prices. Adjust each milestone’s inflation to suit your plans.
- Returns are illustrative, constant and before product costs or taxes.
- Milestones are funded separately; savings set aside for one are not used for another.
Value basis: nominal unless a result explicitly says “today’s money” or “inflation-adjusted.”
Calculator version childrens-future-1
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