Insurance calculators

Free, instant, and built for India. Size the right cover, estimate premiums, and track your goals, then download a branded PDF to share with clients.

Life Insurance

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Term Insurance

Estimate how much term life cover you need based on your income, loans, and future goals, using the income-multiple method. Free, instant, and India-specific.

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Human Life Value

Calculate your Human Life Value: the present value of your future income available to your family, after your own expenses, using income growth and a discount rate.

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Endowment Maturity

Estimate an endowment policy's maturity value from the sum assured, term, and your plan's bonus rates, including reversionary and final additional bonus.

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Health Insurance

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Health Insurance

Estimate the health insurance sum insured a family may need, based on your city, the number of members, and the eldest member's age. Free and instant.

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Motor Insurance

Car Insurance

Estimate a comprehensive car insurance premium from the vehicle's IDV, own-damage rate, No Claim Bonus, and third-party premium, including GST.

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Investment

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SIP

See what a monthly SIP could grow to. Enter your monthly amount, expected return, and duration to estimate the maturity value and total gains.

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Lumpsum

Estimate what a one-time investment could grow to over time using compound growth. Enter the amount, expected return, and duration.

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PPF

Estimate your Public Provident Fund (PPF) maturity from a yearly contribution, interest rate, and tenure, with interest compounded annually.

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Loans

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EMI

Calculate the monthly EMI on a home, car, or personal loan, along with the total interest and total amount payable over the tenure.

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Retirement

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Retirement

Estimate the retirement corpus you need to fund your lifestyle, adjusting today's expenses for inflation and drawing it down through retirement.

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NPS

Estimate your National Pension System corpus at 60, the lump sum you can withdraw, and the monthly pension from the annuity portion.

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Gratuity

Estimate your gratuity payout from your last drawn salary and years of service, using the standard 15/26 formula.

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Tax

Tax Saving

Estimate the income tax you can save on life and health insurance premiums under Sections 80C and 80D of the old tax regime.

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GST

Add GST to a base amount or extract GST from a total, with the CGST and SGST split, at 5%, 12%, 18%, or 28%.

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For Agents

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Commission

Work out your commission across a policy's life from premium and rate, including first-year and renewal earnings over the full term. Built for agents.

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MDRT Qualification

Track your progress towards MDRT, Court of the Table, and Top of the Table from your first-year commission, with COT at 3x and TOT at 6x the MDRT requirement.

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