ULIP Calculator
Estimate what a ULIP might grow to after its charges — so you can compare it against other options.
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What is the ULIP Calculator?
A ULIP (Unit Linked Insurance Plan) combines insurance with market-linked investment. Various charges reduce how much of your premium is actually invested, which this calculator makes visible.
How to Calculate
Each year, the allocation charge is deducted from the premium; the rest is invested and grows at the expected return minus the fund-management charge.
Formula
Fund grows at (expected return − fund management charge), net of allocation charges.
How to Use
- Enter your details in the fields above.
- The result updates instantly as you type.
- Use Copy, Print or Download PDF to save your result.
Frequently Asked Questions
Are ULIP charges significant?
They can be, especially in early years. Compare a ULIP's net returns against a term insurance plan plus a separate mutual fund investment before deciding.
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