Insurance & Goal Calculators
Protect the plan first, then fund it: how much insurance you need, and what to save each month for a goal with a price and a date.
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1 calculatorLife cover
4 calculatorsWork out how much term insurance cover you need from your income, age, loans and existing cover, and how long the policy should run.
Compare Pure Term Insurance + Mutual Fund SIP against traditional Endowment / Money-Back plans to see cover and maturity differences.
Calculate your Human Life Value (HLV) using the actuarial income replacement method to determine scientific life insurance requirements.
Calculate your comprehensive family life insurance gap by evaluating living expenses, home loans, education goals, and existing assets.
Health cover
1 calculatorSave for a goal
7 calculatorsFind the monthly SIP you need for any goal in India. Adjusts the target for inflation, counts savings you have, and shows step-up and lumpsum options.
Plan your child's higher education in India or abroad. See what the course could cost at admission and the monthly SIP or lumpsum needed to fund it.
Plan a wedding in India: break today's cost into venue, catering, clothing and jewellery, see what it could cost later and the monthly SIP to save it.
Work out the rupee cost of studying abroad from tuition and living costs, cost inflation and the exchange rate, and the monthly SIP needed to fund it.
Plan the down payment for a car: what it could cost when you buy, the cash you need, the monthly SIP to save it and the car loan EMI after you buy.
Plan a holiday without a loan: add travel, stay and other costs, see what the trip could cost by the date you travel and the monthly saving that covers it.
Work out an emergency fund from your monthly essentials, how far your savings already go, and how many months of saving it takes to reach the target.
Buying a home
5 calculatorsWork out the down payment, stamp duty and registration for a home in India, what they could cost when you buy, and the monthly SIP needed to save them.
Decide whether to buy a home or rent and invest in India. Compare 20-year net worth, home loan EMI, property appreciation, and mutual fund compounding.
Work out stamp duty, any surcharge and the registration fee on a home in India from your state's rates, with the total and its share of the price.
See the highest home price you can afford in India from your income, existing EMIs, savings and loan rate, within RBI loan-to-value limits.
Work out the gross and net rental yield on a property in India after maintenance, property tax, vacancy and letting costs, and compare it with an FD.
Which insurance & goal calculators should you use?
Term Insurance suggests a cover from your income, age and loans and estimates a pure term premium. Human Life Value values the income your family would lose, and Insurance Needs itemises expenses, debts and goals against what you already have.
Life Insurance compares buying term cover and investing the rest against an endowment or money-back plan with the same budget.
Health Insurance sizes a family floater, a super top-up and a separate policy for parents, and shows the Section 80D deduction under the old regime.
Every calculator here follows the same three steps: grow today's cost by inflation to the year you need the money, subtract what your existing savings will have grown to, and solve for the monthly SIP that closes the gap at your assumed return.
Goal SIP does this for any target and can show a step-up SIP that starts lower and rises each year. Child Education uses a higher default inflation, because fees have historically risen faster than prices in general.
For a home, Home Down Payment adds stamp duty and registration to the down payment and checks the loan against RBI's loan-to-value limits. Rent vs Buy asks the earlier question: whether buying beats renting and investing the difference at all.
Also useful in this workflow
Tools that belong to other categories but are frequently referenced when making these calculations.
Calculate your target retirement corpus, factor in Indian inflation, and compute the exact monthly SIP required to retire comfortably.
Plan how to clear credit cards and loans in India. Compare Avalanche and Snowball: months to debt-free, total interest and the order each debt is paid off.
Explore Other Calculator Categories
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Reviewed by Pradipta Ray, MBA (Finance) · Updated