Vatsalya calculator
See what an early start is worth.
Money invested for a child has decades to compound. Set the numbers below to see the corpus at 18 - and what happens if they keep the account going to 60.
Child's age today3 yrs
Monthly contribution₹5,000/mo
Expected return11.0%
Annual step-up0.0%
Show the corpus at
Total invested
₹34.20 L
Returns earned
₹27.62 Cr
Total corpus
₹27.96 Cr
How the corpus builds
Child's age along the bottom
11
19
27
36
44
52
60
Invested
Returns
Illustrative only. Actual returns are market linked and not guaranteed. Pension assumes a 6% annuity rate.
At exit: lump sum and pension
At 60 you decide the split: withdraw up to 80% as a tax-free lump sum, with at least 20% buying an annuity that pays a monthly pension for life.
Lump sum you withdraw60%
Withdraw anything up to 80%. At least 20% must buy an annuity.
Lump sum · 60%
₹16.78 Cr
Tax-free withdrawal at exit
Annuity · 40%
₹11.18 Cr
Invested to pay a lifelong pension
Monthly pension
₹5.59 L
Paid every month for life from the annuity, at an assumed 6% rate.
Give your child their own retirement gift the moment a child is born.