ULIP Calculator: Calculate ULIP Returns Online 2025

Once you decide to invest in a ULIP policy and plan to do thorough research before the purchase, a ULIP calculator may make things easier for you. These calculators are easily accessible online across insurance company websites, aggregator platforms, wealth management portals, news websites, and blogs. These can save you from chunks of calculations too. But did you know that they can provide holistic support in ULIP investments?

Here’s a detailed look at why a ULIP calculator could be considered a wholesome support^[3][5]:

Easy financial planning:

Are you seeking to start with your financial planning? Here, correct estimations will lead you to the right financial path and the budget needed to fulfil the milestones. A ULIP calculator may come handy. Depending on the details you provide, it may help you understand things like how much you need to invest to fulfil the goals you have, how long it will take for you to build the desired corpus, or the amount of returns you can expect. This enables you to reach crucial decisions regarding the policy term, the sum assured, and premiums you can afford for your ULIP policy.

Again, since a ULIP plan invests money in market-linked funds, the potential returns depend on the market condition, among other factors. The ULIP return calculator can help you gauge whether your investment is going well or if modifications are needed in the allocations or strategy.

To sum it up, a ULIP investment calculator may support you with ease of sensible financial planning.
Accurate investment information:

For instance, you’re contemplating an investment in ULIP, planning a reallocation of an existing ULIP investment, or considering a surrender or a withdrawal procedure. In this case, it may be worth knowing accurately about the charges associated and how they will affect you. Here's where a ULIP calculator can be trusted.

When opting for a ULIP investment, your insurer will levy charges. Because of these charges, it’s either the life cover or the investment component that gets reduced, or the maturity benefit turns out to be smaller. So, having a clarity of this impact beforehand may help you in evaluating the investment in a better way. Here, if you input the details of the charges, the ULIP plan calculator may provide you with the correct estimation of the corresponding life cover or the fund value. Accordingly, you’ll be able to make an informed decision regarding your investment.
Compare different ULIP plans:

There are many insurance companies in India offering ULIP product. Each of these plans come with life cover along with various other features, benefits, fund choices, etc. which may cater to many varied needs of policyholders . To understand which of the available plans fit best to your requirements and expectations, you would like to compare them based on their offerings. Here, a unit-linked insurance plan calculator may be a worthy tool to use. Estimating potential returns from each of the plans, it can help you check and compare the options. In turn, tracing the best policy according to your needs may be easier.
Track your investment goals:

Usually, every investor has a definite goal in mind when they zero in on a particular financial product for their purpose. Since, ULIP is meant for long-term goals, one may intend to purchase it for targets like the child’s higher education or marriage, retirement, or buying a property. But whatever the chosen goal is, the target would be to accumulate wealth to fulfil the same. Also, it would be necessary to regularly monitor the investment and its progress to achieve your goal. In both cases, seeking help from a ULIP calculator online may be helpful. Here, you can not only plan the financial objectives but also keep track of your investment too. Providing the details of your target and the time range, you may be able to gauge if you can fulfil your goals within the desired timeline.
Manage risks better:

For its investment component, a ULIP plan is designated to utilise a part of the premium paid in market-linked funds to earn returns. Similarly, the returns from the ULIP investment depend on the funds selected, and their respective performance^ based on the stock market conditions. These funds are chosen based on the risk appetite of the policyholder. For example, if he/she is ready to tolerate a bigger risk for higher gain, the ULIP plan invests majorly in equities or related high-risk assets. But how does one pick the best possible funds to optimise returns? A ULIP calculator will help you explore options and find your best fit. By estimating the potential returns or losses, the calculator can find out the best fund allocation given your risk tolerance, comfort level, and the monetary requirements.
Understanding charges and returns:

There are several charges to be paid when purchasing a ULIP plan on account of the operation, management, and the services offered. These charges are levied by the insurer towards premium allocation, mortality, fund management, administration, ulip fund switches, withdrawal, or surrender of the policy, which gets deducted from either the premiums paid or the fund value accumulated.. To figure out how a ULIP plan can benefit you, a clarity of the charges and the corresponding impacts on the returns is needed. To measure them in the right way, a ULIP calculator may be a helpful tool.
Personalised plan options:

When it comes to investment, there isn’t a one-size-fits-all solution. If you are looking to build a corpus for your child’s overseas education, you may need a separate plan than what someone needs to build his retirement corpus. There are choices aplenty in the market if you wish to invest in a unit-linked insurance plan. While different ULIP plans are designed to meet different needs, there are options to allocate the investment your way or add specific riders with ULIP to help you personalise a plan for specific needs. It’s the ULIP fund calculator that may help you estimate the expected returns or calculate the life cover accordingly to make a ULIP plan align well to your goals.
Quick and Easy Calculations:

Financial calculations usually involve a lot of estimations based on various formulas and hypotheses. Thus, often many people find them not only difficult but time-consuming as well. To save you from hassles, a ULIP calculator may seem a worthy choice. Based on some simple inputs from you, these calculators can perform the complicated calculations within seconds and bring the results to your fingertips. A ULIP calculator can thus help you do all the estimations yourself, ensuring quick and easy calculations. You may just key in inputs, like the desired investment and the preferred premium payment frequency to get an idea of the potential returns to expect from the investment.
Make informed decisions:

Alongside being a combination of insurance and investment opportunity, a ULIP may help you save taxes too. But with a plethora of choices available for your ULIP investment, there can be possibilities that you end up choosing a wrong policy. To minimise that scope, it’s of utmost importance to make an informed decision. Here, considering two crucial things can be fruitful—i) knowing the charges and costs involved and ii) understanding the tax benefits in your ULIP policy. A ULIP plan has various charges and costs levied on the premium or the fund value of the policy. Also, there are tax deductions and exemptions available under sections 80C and 80D (under old tax regime), and 10(10D) of the Income Tax Act 1961, which can lead to a bigger fund value. Besides, if your ULIP plan is not generating the desired returns, potential losses can be avoided through timely reallocation of the investment. Based on every such inputs shared, a ULIP policy calculator may estimate the probable returns or the life cover accordingly, leading to an informed investment decision thereby.
Transparent fund details:

To evaluate financial products operating upon market-linked funds, a transparent detail of the fund choices and performances is of huge help. In a ULIP plan, the funds for investment are supposed to be chosen as per the policyholder’s risk appetite. Here, if the fund details are explicit and transparent, it may be easier to figure out how to allocate your investment to fetch the best possible returns. A ULIP fund calculator may assist you in tracing the probable returns in this case. But what if you’ve already made your fund choices and they are not performing as desired? Here, based on the fund performances^ and the situation of the market, one can reallocate the investment through fund switches and premium redirection to maximise returns.

In either case, a transparent disclosure of the policy features and fund details may aid in correct estimations and timely investment decisions. A good bet may be to use the ULIP fund value calculator and calculate all the possible cases to compare in terms of returns.

When you decide to pick a tool for your convenience, knowing its benefits beforehand can always be worthy. Especially when it comes to a financial tool, knowing its benefits will may help you make the most of it and walk an extra mile towards your target. The same can happen with a ULIP policy calculator.

A unit-linked insurance plan utilises a part of your premium to provide the life cover while the rest is invested in funds of your choice to earn returns from the market. So, the maturity benefit of the policy depends on the fund value generated by the investment. A ULIP calculator is designed to save you from chunks of complicated calculations and bring the required estimations to your fingertips. Here, if you know the benefits, it may enable you to use the tool in a more efficient manner and ensure a more precise calculation.

The advantages of using a ULIP calculator^[5][7][8] are as follows:

Accurate financial projections: Know the future returns

Suppose you have purchased a ULIP plan and, in turn, have invested in selected funds. Like any other investor, you may want to gauge how the investment is going to help you and how much returns can be anticipated. This is a necessary step, as you can always change the investment allocation through fund switches or the premium redirection facility if you feel the funds or the market are not going your way. Estimating the future returns may be easy if you resort to a ULIP calculator. If you provide the details of the premium paid, the selected funds, the corresponding rate of returns, and the policy tenure, it can provide you with accurate financial projections. Here the ULIP calculator can estimate for you the future returns from each of the chosen funds. Summing them up, you can arrive at the amount of wealth that can be accumulated from the total investment.
Assessing potential returns: Understand the ROI based on premiums and tenure

When you choose to invest in market-linked funds, the usual goal is to earn as much as possible. But with bigger gains come bigger risks too. So, while you look forward to good returns from your investment, securing the capital may also be your priority. Especially, if you are a risk-averse investor, avoiding potential losses and protecting the capital can be your prime concern. This becomes easier when you have an idea of how the funds are going to perform in a given situation.

In case of ULIPs. If you know beforehand how the chosen funds can behave in certain conditions of the market, it might help estimate the probable corpus that can be generated through investment.. This is where a ULIP investment calculator may come into the picture.

Even before making a purchase, a ULIP calculator can help you analyse a ULIP plan or compare it with its options. Here, based on the details of the policy term and probable premium payments, the calculator estimates the ROI and the potential returns. This may help you to understand the merit of your investment and assess your decision.
Informed investment choices: Select funds based on risk appetite and goals

Investing in market-linked funds is a bit tricky. With the risk factor determining the gains, any investment can run into losses if the market turns unfavourable. And as it goes with market-linked funds, the higher the risk, the higher the gain. If you attempt to grow your money faster, there remains the risk of suffering a major loss too. Thus, it lies on the policyholder , whether he/she can withstand that risk. So, while wealth creation for a specific financial goal remains the target, it is crucial to align the investment to your ability to take risks.

The investment component in a unit-linked insurance plan lets you select the funds based on your risk tolerance. If you are willing to accept more risk to accumulate bigger wealth, the policy invests mostly in equities or related higher-risk assets and in debts or low-risk funds when you prefer an investment with lower risk. But how would you choose the best possible funds? The answer can be the ULIP calculator.

A ULIP return calculator estimates for you the projected returns from different fund allocations^{8,^}given the parameters like the chosen premium, policy tenure, desired corpus, and the rate of returns. It may thus let you compare and pick the assets that match your risk appetite as well as the wealth creation goal. Accordingly, you may be able to make informed investment choices.
Customised plans: Tailor premium amounts, tenure, and fund allocation

Suppose Mr. A is looking to invest in a ULIP policy to create his retirement corpus and is scared to lose the capital. Mr. B, on the other hand, wants to grow his money through a ULIP policy to support his son’s dream startup venture, and he is willing to take risks for the same. Can both of them fulfil their targets through the same ULIP plan? Possibly no, as they look forward to a separate size of corpus, they may have different levels of affordability and risk tolerance, and correspondingly varied fund choices.
Every policyholder has their own parameters and different financial goals behind their investment decisions, according to which the choice of financial products needs to be customised. Especially in the case of ULIPs, plans should differ in addressing these varying needs, risk appetite, and affordability. A ULIP calculator could be an ideal choice. As you provide the inputs of the deciding parameters, accordingly it can offer a customised solution, suggesting the amount of premium, policy tenure, and fund allocation options to reach your desired financial goals. In turn, you may get to customise the ULIP plan according to your own unique needs.
Risk evaluation: Evaluate investment risk and returns

Every investment in market-linked funds comes with its own share of risks. While the nature and behaviour of the funds that reflect in the returns, volatility of the market can also affect the resulting gains or losses. It’s therefore quite crucial to keep monitoring the market and adjust the investment strategy and fund allocations as per needs.

A ULIP, for example, is a life insurance plan, which also invests a portion of the premium paid in market-linked financial assets to fetch returns . Here, the policyholder gets to choose these funds and the investment allocation in them as per his/her risk appetite. It also allows reallocation of the investment through fund switches or premium redirection facilities. If the existing funds underperform, market gets volatile, or there’s a change in the policyholder’s financial need or risk appetite. A ULIP calculator can help in these situations.

A ULIP return calculator may aid in estimating the projected returns from different fund allocations at the start of the investment or in the course of it, given the specific financial target, the policy tenure, and the premium chosen. Based on that, a policyholder gets to evaluate the amounts of risks involved and the returns from his/her investment. Consequently, he/she may decide whether to go for a specific fund allocation, continue with it, or change the investment strategy.
Comparative analysis tool: Compare different ULIP plans for better choices

There are many insurance companies in India offering a variety of ULIP plans. These plans have varied features, benefits, and fund choices catering to different needs, risk tolerance, and affordability. For any investor, the choice of a ULIP plan should match his/her monetary need and risk tolerance while being easy on the pockets. To know which of the available plans is most suitable for your requirements, risk-taking ability, and premium-paying capacity, you may need to research well and compare them.

Here, a ULIP calculator may play the role of a comparative analysis tool. On one hand, it estimates the premium payable for a desired corpus in a given policy tenure or vice versa. On the other hand, it can project returns for different fund allocations to help you assess the future value of your investment as well as the risk and rewards. Accordingly, a comparative study is feasible of the available plans, based on which you can choose the plan that aligns best to your investment goal and parameters.
Time-saving: Instant results with minimal inputs

While market-linked investments can be a good way to grow your money, the decision-making and strategy involves a lot of complicated calculations. Likewise, tasks like picking a suitable ULIP plan, making the fund choices, or altering the investment allocation demand a fair share of calculations too. Dreading this, many prefer seeking help from professionals instead of relying on their own capacities. In this aspect, the ease of calculations through a ULIP plan calculator may be considered its biggest benefit, which saves a lot of time as well.

A ULIP policy calculator simplifies the whole process and brings to the tentative values of premium requirements, size of corpus, and policy tenure, as well as the risk and returns from various fund allocation choices. These estimations are done instantly, providing a time-saving alternative to scary chunks of calculations. And for all these to happen, all you need is to key in minimal inputs like the base parameters in a given situation. For example, you can get the estimated fund/maturity value simply by submitting the monthly investment amount, the desired tenure, and the expected rate of return.
Ease of use: Simple interface and user-friendly design

Online tools are usually crafted to simplify complicated assignments to help you attain the best possible solution to your queries. Especially, financial tools are designed to estimate or formulate certain values on your behalf to help you with your investment decision. In the process, they save you from dreaded calculations and provide results instantly. But here’s a catch, unless the tools are easy to use, people won’t have a clarity of how they work and neither be keen to use them. A ULIP calculator may score well on this point.

A unit-linked insurance plan calculator comes with a simple design and interface, which makes it user-friendly. There are defined spaces to key in or select the given parameters, and after that, all you need to do is click on the calculate button. Rest is taken care of by the calculator itself, and the values are generated in an instant. A ULIP calculator, therefore, may not just be easy to use but also a time-saving tool as well.
Goal-orientated planning

For ULIPs , a clarity of the financial objective for which the wealth needs to be accumulated helps in deciding how to go about it. The specific goal may lead to the target corpus, the corresponding premium allocation, fund choices based on risk appetite, and the reallocations as and when needed.

Here, the ULIP calculator may help you with the goal-orientated planning. If there’s clarity regarding the financial objective, corresponding monetary requirement, your affordability, and the risk appetite for wealth creation, an online ULIP calculator can estimate the probable premiums for you, the suggested policy tenure, the projected returns or losses from your fund choices, and the expected fund value that can be generated from your investment. In turn, having a goal-based strategy in place will be easier.
Cost transparency

ULIP plans have different charges payable for the management of the policy as well as for the services offered to the policyholders. These charges, deductible from the premiums or the fund value, affect the amount of the death or maturity benefit of the policy. Knowing these charges clearly can enable the ULIP policyholders to decide, structure, or revise their investment strategies accordingly. This is where resorting to a ULIP return calculator online may benefit you.

Given the fund choices and their details, a ULIP calculator can provide the costs that you’ll have to incur for your policy.8 It estimates the amount to be deducted as charges towards premium allocation, mortality, fund management, policy administration, fund switch, withdrawal, or surrender of the policy, and the corresponding changes in fund value. This may give you a transparent detail of the costs associated with wealth creation through ULIP.
Personalised investment strategy

Every investment strategy needs to be uniquely crafted, as they are supposed to align with the respective policyholder’s needs and preferences. Take the case of unit-linked insurance plans, here, unless the fund choices are matched with the risk tolerance of the policyholder or the premiums align with his/her paying capacity, building the desired corpus may seem a tough task. Tracing the funds that would fetch favourable returns or deciding the premiums according to affordability can be daunting, though. And that’s where a ULIP calculator may offer its advantages.

A ULIP fund value calculator takes into account the amount and tenure of investment and the tentative rates of return to predict the probable returns. Based on that, selecting the funds may seem easier. Again, the online ULIP calculator enables you to check premiums for different policy tenures and corpus targets and vice versa. This may allow you to choose a premium schedule as per your affordability and accordingly personalise your investment strategy.

Charge Type	Description
Premium Allocation Charge	Levied as a fixed percentage of the premium, the premium allocation charge (PAC) covers the cost of underwriting, etc., required before purchasing units for investment by the policy. This percentage varies from company to company and gets deducted from the premium paid.. Suppose the premium allocation charge is 15% in your policy, and you’re paying Rs 60,000 as a premium. Here, Rs 9,000 will be deducted as PAC, and the remaining Rs 51,000 will be available for investment.
Fund Management Charge	The fund management charge (FMC) in a ULIP is the fee levied by the insurance company for the management of your investment in the funds selected by you. Charged on a daily basis, FMC is deducted from the calculations before estimating the NAV (Net Asset Value) of the chosen ULIP funds. This is also levied as a percentage that varies across the nature of funds. However, as per the guidelines of the Insurance Regulatory and Development Authority of India (IRDAI), the upper cap for FMC is set at 135 base points of the fund value generated. Usually, insurers charge a higher percentage of FMC for equity funds and a lesser percentage for the non-equity ones.
Policy Administration Charge	To maintain a ULIP policy and take care of its smooth operation and timely services, the insurer levies a fee. This is called the policy administration charge, which covers the administrative expenses by the insurance provider. The policy administration charge is payable on a monthly basis and gets deducted through the cancellation of units from all the selected funds. The deductions can vary at a specified rate or can remain constant throughout the policy term.
Mortality Charge	The insurance component in a ULIP policy forms the life insurance cover for the policyholder, which is payable as the death benefit upon his/her untimely demise within the policy term. To cover this risk and cost of paying the death benefit, a fee is levied by the insurer, known as the mortality charge. This charge is deducted on a monthly basis and depends on the age, sum assured, etc. Usually, as a person ages, the life expectancy gets reduced. Accordingly, mortality charges in ulip increase as you age and get deducted proportionately from the chosen funds.
Discontinuance Charge	A ULIP policy comes with a lock-in period of 5 years, within which no withdrawal or surrender of the policy is allowed. However, if there’s an emergency or you’re dissatisfied with the fund performance, you can choose to discontinue with the policy. The money then, moves to a discontinuance policy (DP) fund post deduction of the discontinuation charge for early surrender and is paid to you after the completion of the ULIP lock-in period. The discontinuation charge is levied as a percentage of the premium or the fund value. Discontinuation fee is applied to the unit fund for unit-linked insurance products when the policyholder chooses to surrender or discontinue the contract in accordance with regulations. It's typically stated as a percentage of the fund or as a percentage of the annualized premiums for regular premium contracts. No discontinuance charge is imposed on top-up premiums. It may also be worthy to note that, no discontinuation charge is payable for surrendering the policy after the lock-in period which is minimum five years.
Partial Withdrawal Charge	A ULIP policy allows partial withdrawals of the fund after the 5-year lock-in period is over and all the premium payments are up-to-date. While some ULIP plans offer unlimited withdrawals, some may allow 2-4 partial withdrawals only. Insurers may offer some free withdrawals, while for each of the rest, a partial withdrawal charge has to be paid. This charge, if levied, varies between Rs 100 and 500 per withdrawal across insurance companies and gets deducted from the fund value.
Switching Charge	If you feel your funds are underperforming or anticipate a volatility in the market, or if there’s a change in your financial goals or the risk appetite, you can reallocate the investment in your ULIP policy. This can be done through a fund switch within the choices of equity or debts. Typically, every insurer offers a few free fund switches every year, exceeding which a charge is payable for every switch. These charges can be paid as deductions from the fund value within Rs 100-500 per switch or by cancellation of units proportionately from all the chosen funds.
Miscellaneous Charges	Other than the specified charges, the insurer may levy some other fees on the alteration of conditions in the ULIP Plan for eg change in policy term etc. This is covered under the miscellaneous charges. For example, if you wish to revise your premium payment frequency, this is the additional charge you’ll have to bear for the service.

ULIP Calculator

What is a ULIP calculator?

Why Bajaj Allianz Life Insurance ?

Claim Settlement Ratio~

Get 1 Day Claim Approval%

Stable Rating by CARE$$

Assets Under Management (AUM)**

Number of Lives Covered#

Solvency Ratio of 359%^^^

Customer Speaks

Why use ULIP calculator?

Easy financial planning:

Accurate investment information:

Compare different ULIP plans:

Track your investment goals:

Manage risks better:

Understanding charges and returns:

Personalised plan options:

Quick and Easy Calculations:

Make informed decisions:

Transparent fund details:

Key features of a ULIP calculator

Transparency

Goal-based savings

Comprehensive control

Planning tool

Flexibility

Rational investment decisions

Benefits of A ULIP Calculator

Accurate financial projections: Know the future returns

Assessing potential returns: Understand the ROI based on premiums and tenure

Informed investment choices: Select funds based on risk appetite and goals

Customised plans: Tailor premium amounts, tenure, and fund allocation

Risk evaluation: Evaluate investment risk and returns

Comparative analysis tool: Compare different ULIP plans for better choices

Time-saving: Instant results with minimal inputs

Ease of use: Simple interface and user-friendly design

Goal-orientated planning

Cost transparency

Personalised investment strategy

How to use the ULIP calculator?

How does the ULIP calculator work?

ULIP charges to consider

How to calculate ULIP returns online with Bajaj Life ULIP Calculator 2025?

Online Plans

Offline Plans

Other Popular Calculators

Child Education Planning Tool

Term Calculator

Power of Compounding

Retirement Calculator

Investment Calculator

Child Plan Calculator

Income Tax Calculator

Savings to Life Goals Converter

Life Goals Preparedness Calculator

Online ULIP Calculator - Frequently Asked Questions

What is ULIP, and how does it work?

How does a ULIP calculator help with investment planning?

Does the ULIP Calculator include life insurance coverage?

How is ULIP NAV (Net Asset Value) calculated?

What are the key charges in a ULIP, and how are they calculated?

Premium allocation charge

Mortality charge in ulip

Fund management charge

Policy administration charge

Fund switch charge

Miscellaneous charge

Partial withdrawal charge

Surrender or discontinuation charge

How does ULIP compare to other investment tools like SIP?

Is ULIP a good option for long-term goals?

Can the calculator help offline buyers?

What is the minimum premium required to invest in a ULIP?

How is the maturity benefit of a ULIP calculated?

How to pay ULIP premiums?

Online payment through the insurer’s website or mobile app, or an aggregator platform by net banking, card, or UPI payment

Auto debit from bank account

Offline payment through ATMs

Offline payment by cheque at the insurer’s office

Claim Settlement Ratio^~

Get 1 Day Claim Approval^%

Stable Rating by CARE^$$

Assets Under Management (AUM)^**

Number of Lives Covered^#

Solvency Ratio of 359%^{^^^}