Start Early
Advanced Settings
Start Later
Advanced Settings
Your Starting Age Matters
Projected Growth Over Time
Track how each scenario's value builds year by year as it approaches the target age.
Growth Milestones
Projected value at key ages, shown only where they fall within each scenario's investing window.
| Age | Scenario A | Scenario B |
|---|
Why Starting Early Matters
Compound growth means your investment gains have the potential to generate their own gains over time. Money that stays invested longer has more cycles of growth working on it.
Time is one of the most powerful factors in investing. A smaller amount invested consistently for a longer period can potentially grow significantly because your returns have more time to compound.
Education Fund Planner
Choose a school from the reference table, tell us your child's current age, and see exactly how much needs to be saved monthly to be ready by college.
Plan This Child's Education Fund
Advanced Settings
Building the Education Fund
Projected savings growth from now until your child enters college, against the tuition goal.
Projected Total Tuition Fees, 4-Year Course
Full reference table for selected colleges and universities, by child's current age.
View full tuition reference table
About These Projections
These figures are grounded in a Pru Life U.K. reference table projecting total tuition fees for a 4-year course at selected Philippine colleges and universities. That table incorporates the K-12 education model and assumes a 10% annual increase in tuition fees, with college entry originally illustrated at age 19.
To let you plan for any child's age and any college entry age, we derived each school's tuition in today's pesos directly from the table, then re-projected it forward using the same 10% annual growth assumption to your chosen entry age. The underlying figures always trace back to the original reference table.
Source: www.finduniversity.ph, via Pru Life U.K. Figures are for illustrative planning purposes only and are not guaranteed.
Family Protection Gap
Based on your monthly budget and who depends on your income, see how much protection is needed versus what's already in place — and the gap in between.
Calculate the Protection Gap
Critical Illness & Hospitalization Fund
Total Protection Snapshot
How the Protection Gap Is Calculated
Annual Budget is your monthly budget multiplied by 12. Years to Protect Income is based on the longest-dependent scenario: 23 minus a child's current age, 80 minus a parent's current age, or the spouse's chosen horizon (65 for retirement, 80 for lifetime) minus their current age. If more than one dependent type applies, the longer period is used.
Family Protection Need is the Annual Budget multiplied by Years to Protect Income. The Protection Gap is that need minus whatever provision — insurance, savings, or investments — is already in place.
The Critical Illness & Hospitalization Fund works the same way: the approximate amount needed to cover treatment, income loss during recovery, and related costs, minus whatever provision is already in place, leaves the shortfall to plan for.
This is a needs-based illustration only and does not constitute financial or insurance advice. Actual protection needs vary by individual circumstances.