ULIP Calculator

Estimate returns on Unit Linked Insurance Plans to plan your wealth creation and insurance needs.

Accurate return projections
Market-linked wealth growth
Tax-efficient planning
Investment Growth
Investment Details
₹
Enter ₹10,000–₹10,00,000.
Amount invested per period.
How often you pay the premium.
Enter 5–30 years.
Duration of the investment.
Enter 1–30 years, not exceeding tenure.
Years you will pay premiums.
Enter 4%–12%.
Expected market return (indicative).
Equity (high risk), Debt (low risk), Balanced (medium risk).
Enter age (18–70 years).
Your age affects insurance charges.

ULIP Investment Summary

Maturity Value
₹0
Total Premium Paid
₹0
Net Returns
₹0
Premium Allocation Charges
₹0
Mortality Charges
₹0
Fund Management Charges
₹0
Steps to Invest in ULIPs
Define Goals

Set long-term financial objectives.

Choose Fund

Select equity, debt, or balanced funds.

Monitor Portfolio

Regularly review and adjust allocations.

Note: Projections show fund value over the tenure, adjusted for charges and returns. Download the CSV for detailed insights.
Investment Projection
YearFund Value (₹)Premium Paid (₹)Charges (₹)Net Asset Value (₹)

What is a ULIP?

Unit Linked Insurance Plans (ULIPs) combine life insurance with market-linked investments, splitting your premium between coverage and funds (equity, debt, or balanced). They offer wealth creation potential and tax benefits under Sections 80C and 10(10D).

Using a ULIP calculator helps estimate returns and plan for long-term goals like education or retirement.

Did You Know?

ULIP returns are tax-free on maturity if the sum assured is at least 10x the annual premium!

Why Use a ULIP Calculator?

Projects returns to align with financial goals.

Compares fund types for better risk-return decisions.

Breaks down charges for clarity.

Frequently Asked Questions

A ULIP combines life insurance with market-linked investments, offering both protection and wealth creation.

Returns depend on fund performance, premium invested, tenure, and returns, minus charges like allocation and mortality.

No, ULIP returns are market-linked and subject to fluctuations, though long-term investments may yield competitive returns.