RCA Wealth · Education Planning

Education Fund Calculator

Estimate the future cost of your child's university education, project how your funding plan grows, and see exactly what it takes to close the gap. Built for clear, client-ready proposals.

Step 1

Child & timeline

When will university begin?

Step 2

Education goal

Estimate the cost from Public Mutual's education planning data, or enter the client's own target figure.

Source: Public Mutual education planning data — top universities per QS World University Rankings 2025, published international-student living cost guides, and national statistics agencies. All figures editable.

Step 3

Annual costs today

Choose a cost scenario, then adjust any figure to suit the client's plans.

Applied to costs until and during study
Editable — overrides the fetched rate
Using built-in indicative rates · Rates by Exchange Rate API
Step 4

Funding plan

Three ways to fund the goal, each growing at its own illustrative rate until enrolment.

Amount already set aside
Existing savings or investments earmarked for education
MYR
e.g. savings or fixed deposit rate
Unit trust — cash lump sum
A one-time investment made today
MYR
Illustrative rate, not a guarantee
Unit trust — DDA (monthly)
Regular monthly investment via direct debit authorisation
MYR
Illustrative rate, not a guarantee

Year-by-year cost projection

Projected annual costs at enrolment, with education inflation applied.

Study year Calendar year Tuition (AUD) Living (AUD) Total (AUD) Total (MYR)
Important notes. This calculator is for illustration and education purposes only and does not constitute financial advice or an offer to invest. Cost ranges and education inflation rates are estimates based on Public Mutual's education planning data (respective universities' websites and published sources) and may change without notice. Exchange rates are sourced from a public exchange rate feed where available, are indicative only, and may differ from rates applicable to actual transactions. Future exchange rates cannot be predicted; applying today's rate to future costs is a planning convention, and actual amounts in ringgit will vary with currency movements. Projected investment returns are illustrative and are not guaranteed; the value of investments may go down as well as up, and past performance is not indicative of future results. Projected returns are illustrated net of all applicable fees and charges. Investors are advised to read and understand the contents of the relevant fund's prospectus and product highlights sheet before investing. Please consult a qualified Unit Trust Consultant before making any investment decision.
Prepared by RCA Wealth ·