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ULIP Calculator

(Calculate ULIP returns as per your tenure and premium)


A ULIP calculator provides a direct window into the potential growth of your Unit Linked Insurance Plan investment. You input your specific data points to generate a realistic projection of future returns. This tool moves beyond simple math to help you strategize for critical life milestones like retirement or building a substantial corpus for your family.

Investment Amount(Monthly)

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₹ 1 k
₹ 1 Cr

Investment Tenure(Years)

Years
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1 Year
30 Years

Interest Rate(P.A.)

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1 %
15 %

Sensex has given 10% return from 2010 - 2020

Existing Investment(optional)

₹ 
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₹ 0
₹ 1 Cr

Periodic Investment(optional)

₹ 
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₹ 0
₹ 1 Cr

You may get
₹ 

If you invest ₹  

for  Years at % p.a.

Invest Now

What is the ULIP Calculator?

A Unit Linked Insurance Plan calculator is an easy-to-use online tool designed to estimate the potential returns before you commit any capital. You can enter specific variables like your premium amount and tenure to instantly reveal the potential maturity value through the calculator. This instrument bridges the gap between pure wealth creation and necessary life cover. It serves as your primary mechanism for balancing market-linked growth with tax-saving benefits.


How to Use a ULIP Calculator?

Unit Linked Insurance Plans provide a dual benefit by integrating market-linked returns with life insurance protection. You can use a Unit Linked Insurance Plan calculator to tailor the investment strategy to fit your personal milestones. Gaining a clear understanding of how a ULIP calculator works is an essential step before you invest.

The ULIP plan calculator works in the following manner:

Step
1
Choosing the type of ULIP investment
The first step in using the ULIP calculator free is to select the type of ULIP investment that you wish to proceed with.
Step
2
Entering the premium amount
After selecting your ULIP type, enter the premium amount, the regular payment you'll make during the policy term.
Step
3
Enter interest rate
A ULIP calculator is an essential tool for aligning financial goals with market-linked returns, exploring tax-saving opportunities, and making informed investment decisions with ease.
Step
4
Input investment tenure
Enter the term or tenure for which you wish to opt for the ULIP policy. This refers to the duration you plan to stay invested in the policy, which can typically range from 5 to 30 years.

Step
5
Estimating the returns
The ULIP calculator or ULIP maturity amount calculator will use the premium amount, policy term, and other factors to estimate the returns on your investment. The returns will depend on the fund's performance and market conditions. The ULIP return calculator will provide a detailed analysis of the returns, including the expected return on investment.

Why Use ULIP Calculator?

A ULIP calculator functions much like a standard SIP calculator because both investment vehicles rely on disciplined, periodic contributions. It simplifies the complex task of projecting future wealth by doing the heavy mathematical lifting for you.

Financial Planning:
Effective planning means seeing the future of your money before you spend it. You simply plug in different premium amounts to find a scenario that fits your budget. This clarity transforms loose financial theories into a strict schedule you can follow with confidence.
Goal Setting:
Major life objectives demand precise calculations rather than just disciplined saving habits. You visualize the exact mathematical distance separating your current assets from your future target. It tells you exactly what investment is required today to hit those specific milestones later.
Investment Comparison:
With so many insurance products available, picking the right one is difficult without hard data. A free calculator lets you stack different policies against each other to see which one performs best. You get a direct look at the growth potential of each option so you can choose the winner.
Risk Assessment:
Markets move up and down, so your investment plan needs to be tough enough to survive those shifts. The tool lets you lower the expected return rate to simulate a bad market year. This reveals if your portfolio stays safe even when the economy is not performing perfectly.
Flexibility Analysis:
One major advantage of these plans is the ability to switch between asset funds, and the calculator helps you quantify the value of this flexibility. It allows you to analyze how strategic fund switching based on historical performance could potentially enhance your overall returns.
Investment Monitoring:
The utility of the tool extends far beyond the initial purchase. You can use it as a continual monitoring device to input your actual returns and ensure your investment stays on the correct trajectory toward your financial objectives.
Utilizing a specialized SIP calculator for ULIPs is the smartest way to gain a comprehensive view of your investment. It ensures you proceed with full awareness of the potential risks and the growth awaiting your portfolio.

Features of the ULIP Calculator

ULIP calculator is a powerful tool that helps investors calculate the returns on their investments based on different parameters. Here are some features of the ULIP Plans calculator:

Flexibility in Choosing Investment Amount

The Unit-Linked Insurance Plan (ULIP) calculator grants you full autonomy over the investment size. You enter the exact amount you are willing to commit, and the tool estimates your potential returns based on the tenure and expected rate. This capability allows you to construct a financial plan that aligns strictly with your long-term wealth objectives.

Ease of Use

The calculator is designed for speed and simplicity. You simply provide the necessary inputs, and the system generates your expected returns almost immediately. It relies on just a few basic details like your investment amount and tenure to deliver the results you need.

Customizable Investment Tenure

You also have the option to determine the precise duration of your policy. You input your preferred investment period, and the calculator adjusts the math to show the potential returns for that specific timeline.

Real-time Calculations

ULIP calculator provides real-time calculations of expected returns. Investors can input different parameters such as investment amount, investment tenure, and expected rate of returns, and the calculator will instantly provide the expected returns.

Comparative Analysis

It also provides the option to compare different ULIP plans. Investors can input the details of different ULIP plans, and the calculator will provide a comparative analysis of the returns on investment for each plan.

Goal-based Planning

With a ULIP calculator, you can compare the returns of your investments, which makes it easier to know how much you can gain by investing a certain amount in a particular investment. If you have decided to buy a home after 8 years, a ULIP calculator will let you know the value of your investment after 8 years so that you can plan the purchase of your home easily.

Plan smartly, grow steadily by adding ULIP to your wealth journey

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Benefits of a ULIP Calculator

The primarybenefits of ULIPplans include the opportunity to grow wealth and the ability to protect your family during unforeseen events. The introduction of calculators makes it much simpler for investors to determine the potential returns on these investments.

Accurate Calculation of Premiums

Using a calculator allows you to determine the exact premium commitment before you sign the contract. This accuracy is vital for effective financial planning. It ensures you always have the necessary funds available when the premium payment is due.

Understanding the Potential Returns

A ULIP returns calculator clarifies the potential growth of your money. You simply input the investment amount and the tenure to see the likely maturity value. You get a concrete idea of the returns you can expect from the policy.

Comparing Different ULIP Plans

You can use the tool to evaluate plans from various insurers side-by-side. It allows you to compare premiums and charges directly. This analysis helps you identify the specific plan that aligns best with your needs.

Customization

ULIP return calculators provide valuable customization options. You can tweak the input details to see how changes affect your potential returns. This flexibility allows you to make a fully informed decision regarding your investment.

Formula to Calculate ULIP Returns

A ULIP policy return calculator is a useful tool for policyholders. There are two methods to measure your returns on the sum assured in ULIP:


1. Absolute returns

This is the percentage increase in the total value of the ULIP, calculated after deducting expenses like management fees and operating charges.

Absolute returns = [(Current value - Value at the time of purchase) / Value at the time of purchase] x 100

For instance, if the value of your ULIP at the time of purchase was ₹250/-, and one year later it becomes ₹350/-, in this case, your absolute return is 40% in a year. This method is useful for a plan with a short tenure.

2. CAGR (Compound Annual Growth Rate)

The CAGR method helps evaluate the annual growth of your investment during a specific period. It assists in determining the rate of return received from your plan year on year.

CAGR = {[(Current value / Value at the time of purchase) ^ (1 / number of years)] - 1} x 100

For instance, if the value of your ULIP at the time of purchase was ₹250/-, and after five years its value is ₹ 350/-, in this case, the CAGR is 6.96%.

Alternatively, you can also utilize a ULIP calculator online to ease your earnings.

How to calculate your ULIP returns with an Online ULIP Calculator?

Unit Linked Insurance Plans allow you to tap into the growth potential of equity and debt markets while retaining the safety of life insurance. It is a powerful strategy for building wealth. However, you need a clear projection of your future value to plan effectively. You should follow these steps to calculate ULIP returns online.

Step 1
Gather the Required Information

Before you start calculating your ULIP investment returns, you need to gather some essential information. The following are the details you need to have:

  • The amount of premium paid
  • The frequency of premium payment
  • The total number of premiums paid
  • The investment duration
Step 2
Understand the Calculation Methodology

The returns on ULIPs are calculated based on the Net Asset Value (NAV) of the fund. The NAV is the value of the assets held by the fund minus its liabilities divided by the total number of units held by the investors.

Step 3
Use Online Calculators

The calculator will then display the returns generated by the ULIP investment during the chosen period.

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Wrapping Up

A ULIP calculator provides investors with the necessary clarity during the decision process. This tool estimates the premium amount, calculates expected returns, and outlines potential risks. It also simplifies the comparison of various plans, ensuring you choose the one that aligns with your risk appetite.

Note that the calculator bases its results on historical data and specific assumptions. These projections may not always accurately reflect the future performance of the plan. Investors should exercise caution and research thoroughly before investing. The ULIP calculator is a strong support tool, but it delivers the most value when combined with other forms of market analysis.

Check Out Our Other Calculators

Financial well-being starts with a plan. You can check out more financial tools and calculators to get a head start in your financial journey.

FAQs on ULIP Calculator

1Can I purchase a ULIP offline after using the online ULIP calculator?

2Are ULIPs a good investment?

3How is the Net Asset Value of a ULIP calculated?

4Will the ULIP calculator also calculate the rider premiums?

5Does the ULIP investment calculator also calculate the life insurance coverage?

6Is the mortality charge deducted for the entire duration of the plan?

7Is ULIP Investment Tax-Free?

8Are ULIP Investments Risky?

9What is the meaning of ULIP Fund Value?

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    Disclaimers-

    The calculation is generated on the basis of information provided and does not constitute an offer or solicitation for the purpose of purchase or sale of any product. Further customer is the advised to go through the sales brochure before conducting any sale.



    BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS

    IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


    Kotak Mahindra Life Insurance Company Ltd ; Regn. No.:107, CIN : U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai- 400 051. Website: https://www.kotaklife.com, |Whatsapp:9321003007 |Toll free No: 1800 209 8800.


    Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Limited under license

    For Educational purpose only.

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