Guaranteed Return Savings Plan Calculator

Calculate the Internal Rate of Return (IRR) for guaranteed return products offered by life insurance companies

Disclaimer: All Life insurance companies offer such plans. You cannot take decision to invest in any plans based on this calculator but it will give you basic idea.

This is only for Guaranteed return plan. Do not use this calculator for participating plan where cash bonus is non-guaranteed and declared every year by Life insurance companies.

*This calculator may not be accurate. So use your own way to do IRR analysis. Most guaranteed return plans has a small IRR between 4.5% to 8% but some people like such products.

1. Your Details

Enter your current age

Your Current Age (years) *

2. Policy Inputs

Enter the policy terms and premium details

Premium Paying Term (Years) *

How many years you will pay premium

Policy Term (Years) *

After how many years you get final maturity benefit?

Annual Premium Amount (₹) *

3. Maturity & Benefit Details

Enter the guaranteed benefits you will receive

Final Maturity Benefit (₹) *

How much do they say is the maturity benefit at the end?

Do You Receive Any Survival or Interim Benefits During the Policy Term?

Yes

4. Calculate Internal Rate of Return (IRR)

👉 When you click "Calculate", we will apply an IRR function to simulate the return from your premium outflows and guaranteed inflows.

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Disclaimer

⚠️ This calculator is an estimate tool only. Actual IRR may vary based on policy structure, tax implications, and insurer-specific benefits. Please consult a qualified financial advisor or use Excel's XIRR function for more precise analysis.