Cost of Raising a Child Calculator
From the first vaccination to the final college fee, raising a child in India to 21 costs more than most parents ever total up. See the real, inflation-adjusted number.
Inputs
Your result
Raising one child to age 21 in Metro (Mumbai/Delhi/Bangalore) with mid schooling and an Indian college, adjusted for 8% education inflation, comes to about ₹2.01 crore in actual rupees spent across the years. The single largest chunk is the final four years of college, which is why starting to invest for it early matters so much.
- Total cost to age 21
- ₹2.01 crore
- College cost (today's rupees)
- ₹6 lakh/yr
- Education inflation used
- 8%
Recommended next
Turn this into a monthly SIP
Use the goal planner to reverse-engineer the exact monthly SIP that funds this number by the time your child needs it. Starting at birth makes it small.
Open it
Why education inflation is the real number to watch
General inflation in India runs 5 to 6 percent. Education inflation runs 8 to 10 percent and has for two decades. That gap is why a college degree that costs ₹6 lakh a year today could cost three to four times that by the time a newborn reaches eighteen. Planning at general inflation badly underestimates the target.