Investing
Children's Education Fund Calculator
From kindergarten to university — calculate how much you need to save for your child's education and whether your current savings plan is on track.
Child Details
Age when this education stage begins
Duration of this education stage
Education Costs
In today's dollars
Annual fee increase · HK education inflation is typically 4–6%; use 5% if unsure
Savings Plan
Quick Scenarios
Kindergarten (age 3): Half-day ~HK$40–80K/yr
Primary School (age 6): DSS/Private ~HK$50–100K/yr
Secondary School (age 12): DSS/International ~HK$80–200K/yr
University (age 18): Local ~HK$40–100K/yr, overseas ~HK$200–500K/yr
Analysis
🎓 Total Future Cost
—
—/yr × 0 years (with 0% inflation)
💰 Projected Savings
Enter your child's age and education costs to see the savings analysis
Children's Education Fund: What You Must Know
📈 Education Inflation Outpaces General Inflation
Hong Kong education inflation runs at 4–6% per year — far higher than CPI. University tuition 18 years from now could be more than double today's cost.
⏰ Start Early, Save Easier
Start saving for university from birth and you may only need HK$3,000–5,000/month. Wait until secondary school and it could be HK$15,000+/month.
🌍 Overseas Study: Budget Double
UK/Australia/Canada: tuition + living costs run ~HK$300–500K/year. A four-year degree can easily exceed HK$2 million. Use a higher inflation rate (6%) for overseas estimates.
🛡️ Diversify Your Investments
Don't put everything in endowment insurance. Consider a mix of monthly ETF investments (HK/US) plus high-yield time deposits — stable with growth potential. Target 5–7% return.