RupeeCase
Education . Goal-Based Investing . 3 of 4
Lever two . amount . the goalpost moves while you save
A college seat that costs Rs 20L today does not cost Rs 20L in fifteen years. Run it at eight pct education inflation and watch the target walk away from you.
In 3 years
Rs 25.2L
+26 pct on the sticker
In 7 years
Rs 34.3L
+71 pct on the sticker
In 15 years
Rs 63.4L
3.2x the sticker price
Plan for today's Rs 20L
4359per mo
Hits Rs 20L on schedule. Lands Rs 43L short of the seat. The plan was right. The target was wrong.
Plan for the real Rs 63.4L
13826per mo
15Y SIP at 11 pct expected. 3.2x the monthly. Same goal, sized to the bill that actually arrives.
The shortfall was never an investing failure. It was an arithmetic one. You solved for the number on today's brochure instead of the number on the day you pay.
Tanmay Kurtkoti . Builder of RupeeCase
Illustrative . NSE BhavCopy . 02 Jun 2026