Who can see my family photos and stories?

Only the people you invite into that family. Every album, story, and moment is scoped to a family, and membership is controlled by the family owner.

Is FamConnect free to use?

Yes. Creating an account, building a family tree, and adding members is free. Paid add-ons cover extra storage and premium keepsakes.

Does FamConnect work on a phone without an app store install?

Yes. It is an installable web app: open it in the browser and choose Add to Home Screen to run full screen, with saved pages available offline.

How do I invite parents or grandparents who are not technical?

Send an invite link. They open it, choose a password, and land straight inside the family with no extra setup and no app download.

Can I export my family data?

Yes. Family owners can download their tree, members, albums, and stories. Deleting an account removes the data from active storage.

Child education fund calculator

Calculate the total cost of your child's education up to the target level after inflation, then how much you need to save each month to cover it.

Set aside each month

Rp 1.464.523

for the next 181 months (15 years until your child starts S1 negeri)

Entry fee when school starts: Rp 41.772.482
Annual cost for 4 years (total): Rp 387.732.175
Total education cost: Rp 429.504.657
Inflation factor: 4,18× today's price
Total deposits: Rp 265.078.593
Gain from returnscontribution from assumed returns — not guaranteed: Rp 164.426.063

If you start now, Rp 1.464.523 per month is enough assuming a 6% annual return.

All calculations run on your device. No numbers are sent or stored.

Assumptions used

Default education inflation is 10% per year — historically, Indonesian education costs have risen faster than general inflation. If you have a more certain school figure, use that.
A 6% annual return is a conservative assumption for time deposits/money market funds, not a guaranteed return.
Costs are calculated until the child graduates from the selected level, not just for the first year.

How the calculation works

1This year's cost is multiplied by (1 + inflation) to the power of the number of years until the child enrolls.
2Annual costs are summed for all years of study using the same inflation.
3That total becomes the target, then the required monthly deposit is calculated using the assumed return.

Frequently asked questions

Why is the result much larger than current school fees?

Because the cost is calculated for when the child enrolls later, not today. With 10% annual inflation, today's cost roughly multiplies by about 2.6 times in 10 years.

What happens if I save less?

The shortfall must be covered from cash flow when the child enrolls, usually through a loan. That's why this monthly figure is better treated as a lower bound, not an ideal target.

Do I have to use education insurance?

Not necessarily. What's essential is the cost target and the discipline to set money aside. Education insurance is useful if you also need life protection, but it usually costs more than saving on your own.

Terms in this calculator

akreditasi education insurance beasiswa beasiswa penuh registration fee uniform cost

Supporting reading

Children's education fund: how to calculate the target and set it aside

Other calculators

Emergency fund Income zakat Mortgage simulation Wedding costs Hospital costs Retirement fund

Calculator results are educational estimates, not an offer or financial advice.