College costs, planned early.
An Indian college, a global campus in India, or abroad. See the cost in rupees, save early, and let your child choose.
Your child is in Grade
Where might they study?
First-year fee, due in 2027
About ₹— a year
from 2031, tuition + living
Start saving ₹— a month
Raise it 10% each year. Covers 75% of the cost; the rest from other sources or a loan.
Illustration from published fees and living costs, not a college quote. Assumes 6% a year growth, not assured.
No need to decide now. Just start saving for the doors you want open.
Not sure yet? Plan for your top choice. You can switch later.
See 2,900+ courses in rupees →Why save in both currencies
Rupees for one $50,000 year of fees. USD/INR: 2010 Q1 avg 45.88 (FRED); 2014 avg 61.03; 30 Oct 2025 88.70; 26 Oct 2026 95.19.
Fees abroad are paid in foreign currency. A dollar part grows in dollars, so a weaker rupee hurts less.
Global ETFs hold companies across many countries, so college money doesn't ride on Indian markets alone. This spreads risk; it doesn't promise higher returns.
Studying in India? Nothing lost: your money is simply spread across two currencies.
GRADE 6–7
A small monthly plan in rupees and dollars. Starting now needs about a third of what Grade 10 needs.
EVERY YEAR
It grows with your income, not ahead of it.
GRADE 8–9
The plan moves from a typical cost to your child's stream.
GRADE 10
Board year. Check against real fees; adjust the rupee–dollar split.
GRADE 11
Entrance exams for India, applications for abroad. Money moves to steadier options.
GRADE 12
Admission, first-year fee, and LRS and TCS for abroad. A loan only for any gap. We're with you.
Start in Grade 6, and the Grade 11 choice is about your child, not the cost.
Show me a planMutual fund investments are subject to market risks; read all scheme-related documents carefully. Figures assume 6% a year, not assured.
Real fees for 2,900+ courses, in rupees, for your child's grade and stream.
Most plans are rupee-only. Ours adds global ETFs, held in your name.
Run by Reji Raphael, 20+ years in financial services. English, Hindi, Tamil and Malayalam.
A mutual fund distributor, not an adviser; we never promise returns. Tools and calls are free; fund houses pay us when you invest via us.
Reji Raphael, founder
AMFI-registered Mutual Fund Distributor · ARN-314565 · EUIN E596174
Have someone for your investments? Keep them. Use ParentArc for your child's college.
No. Start with a typical cost; the plan narrows as interests show. Most families decide in Grade 11.
The rupee part covers it. The dollar part is still yours: use it, keep it or move it.
You can still plan. The monthly amount is higher, and we'll check if a small education loan fills the gap.
Not in the target. From Grade 10 the plan shows scholarships that fit your child as a bonus, so it never depends on winning one.
No. Fund units and ETFs are held in your own name.
FREE · 45 MINUTES
Costs at home, at global campuses and abroad, and how to start saving. English, Hindi, Tamil, Malayalam.
Save my seatFREE · 20 MINUTES
A free 20-minute call, phone or video. Your plan comes with you, so there's no need to explain it all again.
Book a call2,100+ courses. Cost a year, tuition + living.
From your plan: Grade 8 · All streams · starts 2031
Costs are illustrations from published fees and typical living costs at late Oct 2026 rates. "Estimated" means we haven't read the college's own fee page yet. Future costs assume fees rising 6% a year in India, 5% at global campuses, and 3% abroad plus the rupee falling 3.5% a year, unless you changed these in your plan.
Germany · Abroad
BSc Mechanical Engineering / Electrical and Electronics Engineering · about ₹13.4 L a year today
Courses here
This is the stream in your plan.
—
—
Full 4-year course from 2031: about —
—
— to start, raised 10% a year
—
| Course | Length | Tuition a year | Living a year | A year today |
|---|---|---|---|---|
| EngineeringBSc Mechanical Engineering / Electrical and Electronics Engineering | 3.5 yrs | EUR 730 | EUR 11,904 | ₹13.4 L |
| Biology and healthBSc Bioengineering | 3.5 yrs | EUR 730 | EUR 11,904 | ₹13.4 L |
| Business and moneyBA International Business and Management | 3.5 yrs | EUR 730 | EUR 11,904 | ₹13.4 L |
Fees in EUR at ₹106 (late Oct 2026). For a Grade 8 child starting in 2031, the cheapest course here could cost about ₹18.4 L a year by then. Figures come from published college pages and our research, last built 6 November 2026. Rupee amounts use the exchange rates of late Oct 2026. Fees change every year; always confirm on the college's own website. Information only, not investment advice.
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Pick up to 3 colleges with the Compare box in the list.
Go to collegesExample, not a recommendation. Abroad fees are paid in foreign currency, so more of the saving sits in dollars.
Not sure yet? One plan can keep all three open. Plan for the costliest; if they pick a cheaper door, the extra stays invested.
Plan for one of these Talk it through with usFees +6% a year India, +5% global campus, +3% abroad with the rupee −3.5% a year. Rates late Oct 2026. Illustrations, not assured. Mutual fund investments are subject to market risks.
1 of 3 to compare
First-year fee, due at admission (mid-2027)
About ₹— a year
Full 4-year course: about ₹—
This plan covers 75% of the total cost
Start saving ₹— a month
Raise it 10% each year.
Grade 8 · 5 years to go
Plan for
Already saved for this
Education loan
—
—
Projected savings against the target.
An example, not a recommendation. We'll decide the split with you on a call.
Get your updated roadmap every April, by email.
Go through the plan with us, or start the rupee and dollar parts.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. An illustration from published fees, not a quote from any college. Savings assumed to grow 6% a year, not assured. ARN-314565 · EUIN E596174.
In a group or one-to-one. Both are free.
Webinar · 45 minutes · on Google Meet
One-to-one · 20 minutes · phone or video
Your plan comes with you: —. No need to explain it all again.
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You'll speak with Reji Raphael
Founder, 20+ years in financial services. AMFI-registered mutual fund distributor, ARN-314565. English, Hindi, Tamil or Malayalam.
No. The webinar and the call are free either way. If you already have someone for your investments, keep them and use the plan.
If you invest in mutual funds through us, the fund houses pay us a commission. You don't pay us a separate fee. For global investing, our SEBI-registered advisory partner charges its own fee; see disclosures.
Yes, please. Decisions like this go better with both parents on the call.
FROM OUR STUDENT APP · SPIKEARC
SpikeArc lets students in Grades 7–10 try streams through real projects. Opening to families soon. You'll see your child's progress on ParentArc.
Try, not guess. Short projects in computing, design, economics, biology and more.
Build a portfolio. Finished work stays with your child for college applications later.
See the signs. Over time you see which streams your child leans to, and can use one in your college plan.
A sample of the parent view, once SpikeArc opens.
We'll email you once, when the next batch of families can join.
SpikeArc is for students only. Nothing about money or investments goes to SpikeArc, and nothing from SpikeArc enters your plan unless you choose.