Educational planning refers to a series of fund management activities to achieve the expected educational goals. According to the different educational objects, education planning can be divided into two types: personal education planning and financial planning of children's education expenses.

Personal education refers to continuing education, training education and social and cultural life education in politics, economy, science and technology. It is an important form of personal self-improvement and lifelong learning, and an important way to improve personal quality, labor productivity and personal quality of life.

Children's education can be divided into basic education and university education. No matter what kind of educational consumption, the planning methods used are very similar. The cost of university education is generally high, and the demand for financial planning is also the greatest. Personal education planning is uncertain in consumption time and amount, and children's education planning is usually the core of personal family financial planning.