Family Protection
The real cost of raising and educating a child in 2035
Education costs are compounding faster than most portfolios. See what future planning looks like today.
Raising a child is one of the largest financial commitments a family makes — and education is the fastest-growing part of it. Education inflation in India often outpaces returns on conservative savings, which means starting early matters more than picking the perfect investment.
Think in three horizons: school years (steady, predictable costs), higher education (a large lump sum, often 15–18 years away), and the possibility of overseas study (a foreign-currency cost that can dwarf everything else).
The planning move is to work backwards from a future goal amount, apply a realistic inflation rate, and calculate what you need to set aside monthly. Our calculators can help you put a number to it.
Protection matters just as much as saving. If the earning parent's income stops, the education goal must still be fundable. This is where a family's protection plan and its savings plan meet.
Key takeaways
- Education inflation usually beats conservative investment returns — start early.
- Plan in three horizons: school, higher education, and possible overseas study.
- Make the goal 'income-proof' so it survives a loss of earnings.
This article is for general education only and is not financial or insurance advice. Insurwise does not sell or recommend any insurance products at this stage.