ValarchiX Child Legacy Engine
Child College & Future Legacy Calculator
Head-to-head battle: PPF vs Sukanya Samriddhi (SSY) vs Equity SIP. See exactly how much corpus your child gets at release age.
💡 Motto: We don't tell what to pick, we tell how to pick.
Plan Inputs
Child's Current Age0 yrs
Target Age (Corpus Release)21 yrs
Monthly Investment
₹
Adjust for Educational Inflation
Expected Returns (%)
PPF Interest Rate7.1%
SSY Interest Rate8.2%
Equity SIP Rate13%
PPF7.1%
₹58,17,990
Invested: ₹25,20,000
SSY8.2%
₹67,23,237
Invested: ₹25,20,000
SIP Winner 13%
₹1,31,65,175
Invested: ₹25,20,000
Wealth Gap Over Time (Age 0 to 21)
SIP Beats PPF by ₹73,47,185Statutory Rules & Wealth Mechanics
🏛️ Statutory Limits (Section 80C Caps)
PPF & SSY are capped at ₹1,50,000/year (₹12,500/month) by Indian law. Contributions exceeding ₹12,500/month in government schemes do not earn interest and remain uninvested in the scheme.
🚀 Equity SIP Compounding Engine
SIPs have no statutory cap. Over a 15–20 year horizon, equity compounding consistently outperforms fixed-income debt schemes, building over 2x higher corpus for college fees and child legacy.