Start with today’s fees, add 7–10% yearly inflation to get the future cost, and the goal planner shows the monthly SIP needed.

General inflation is often taken as 5–6%, but education and medical costs usually rise faster, so 7–10% is a fair assumption for them.

Starting later leaves less time for compounding, so you have to save more each month. The planner compares starting today with starting 2 and 4 years later.