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Children's Education Fund

Enter your child's current age, intended age at college, expected years of study, and today's annual tuition estimate. The tool projects future tuition with inflation, calculates gap vs current savings, and suggests required lump sum or monthly contribution.

Inputs

Includes tuition, fees, and living costs.

Education inflation typically exceeds general inflation; 2–4% is common.

Current preparation

Results
Total tuition future value (4 years)
NT$1.11M
Today's NT$200K/yr × 4 years, growing at 2% per year.
Projected value of current savings
NT$415.8K
NT$200K × (1 + 5%)^15
Gap
NT$693.6K
Two ways to close the gap
Lump sum today
Deposit NT$333.7K now
Monthly contribution
NT$2.6K per month
over 15 years

Assumes tuition grows at the inflation rate and savings compound at the expected return. Education inflation often runs above CPI, and public/private and domestic/overseas costs vary widely. Add a 20–30% buffer for safety.

Taiwan tuition reference

  • Public university: NT$150K–210K / year (tuition + living)
  • Private university: NT$220K–270K / year
  • US college: US$30K–70K / year
  • UK/Australia/Canada: US$20K–45K / year

Education inflation often exceeds general CPI. Set inflation assumption to 2–4%.

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