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Education · A family funding journey

Education Planner

Bring school years, university costs and saving into one clear picture.

Questions to put this goal in context
  • How many children are you planning for?
  • Are you considering local or international university costs?
  • How much have you already set aside?
  • What amount would you realistically be comfortable saving each month?

For reflection only. You do not need to submit answers.

01Where your child is today

Suggested from school stage; you can override it.

Approximate age 8 · University starts around 2036

FS1FS2Year 1Year 2Year 3Year 4TodayYear 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13University2036

02University costs in today’s money

Not sure what to enter?

View University Cost Guide

Study destination: Illustrative international study costs

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03The education fund

USD
Amount allocated to this child. Do not enter the same family savings for every child.
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Use an illustrative return after estimated charges. Saving continues through the final academic-year payment.

Projected education funding need$190,686

Child Tuition $128,377 · Living $62,309

Estimated monthly saving needed

$768 / month

Planned monthly saving
$500
Additional monthly saving
$268
Potential funding gap$59,439Projected education payments not met by the entered plan.

At $500 a month, the illustration leaves $59,439 of education payments unfunded. The estimated saving level is $768 a month, $268 above your current plan.

Illustrated education fund and university withdrawals

Illustrated education fund and university withdrawalsThe line shows the fund after that year’s fees. Stacked bars show each child’s combined tuition and living costs. Colours do not allocate any share of the common fund. Unfunded costs are shown in the table, not as another line.025.4k50.9k76.3k101.7kUSD202620282031203320362038Calendar year
Illustrated education fund and university withdrawalsThe line shows the fund after that year’s fees. Stacked bars show each child’s combined tuition and living costs. Colours do not allocate any share of the common fund. Unfunded costs are shown in the table, not as another line.025.4k50.9k76.3k101.7kUSD2026203020342038Calendar year
Shared family fundChild costs

The line shows the fund after that year’s fees. Stacked bars show each child’s combined tuition and living costs. Colours do not allocate any share of the common fund. Unfunded costs are shown in the table, not as another line.

Your plan at a glance
MeasureYour illustrationWhat it means
Children in this illustrationChildThe children covered by this plan
Projected tuition$128,377Future university fees, after inflation
Projected living costs$62,309Future accommodation and living costs
Total education funding need$190,686Tuition and living costs across all study years
Existing education savings$15,000Savings already allocated to this plan
Planned monthly saving$500What you currently intend to save
Estimated monthly saving needed$768Illustrated level to meet the future payments
Additional monthly saving$268Increase above your planned saving, if any
Cumulative unfunded payments$59,439Sum of payments the illustrated fund cannot meet

A simple way to read your result

  1. Start with the goal

    Tuition and living costs are projected for Child at each academic-year start.

  2. Include existing resources

    $15,000 is already allocated; your plan adds $500 each month.

  3. Read the funding position

    $59,439 of projected payments remains unfunded under the entered assumptions.

  4. Test a different scenario

    Change saving, university costs or timing and compare the result before making a decision.

What may change: fees, accommodation, exchange rates, inflation, investment returns and study duration.

One shared family fund. Colours identify each child’s costs, not a share of the savings.

Child$190,686
View tuition and living payments
YearTuitionLivingTotalChild / year
2036$40,722$20,159$60,881Child · university year 1
2037$42,758$20,764$63,522Child · university year 2
2038$44,896$21,386$66,283Child · university year 3
Family cost breakdown
Child$190,686

For information and guidance only. Results are illustrative, based on your assumptions, and are not personalised financial advice. Assumed returns are not guaranteed; investments can fall as well as rise. Methodology & limitations

Build before the education deadline
Education can be funded before the deadline or from resources and income after it arrives.
More time creates more opportunities to contribute. Investment growth is uncertain; borrowing, where available, adds a future repayment commitment.View full size

What goes into a university savings target?

A university plan brings together tuition, living costs, separate inflation assumptions, existing education funds and the timing of each academic year. Compare a shared family fund with individual children’s plans. School timelines provide context; the funding illustration focuses on university costs. The University Cost Guide offers destination benchmarks.

A worked example with visible assumptions

For one child starting a three-year course in 10 years, assume annual tuition of $20,000 and living costs of $12,000 today, inflating at 5% and 3% respectively. Total projected costs are $152,549. With $15,000 already saved and a constant 6% return after estimated charges, the engine estimates $633 per month through the final payment in year 12. Costs are paid at each academic year’s start; these are hypothetical costs, with no tax or exchange-rate forecast.

See how regular contributions grow and balance education with retirement.

Illustrations use the same calculation engines as the tools above. They are not forecasts or personal recommendations.