Compares a ULIP's maturity value (after allocation, fund-management and mortality charges) against buying a pure term plan and investing the premium difference in an equity mutual fund SIP.
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Computed in your browser from the same formulas the full app uses — it is not saved and does not factor in every detail (taxes, exact compounding dates, fees) the way a saved scenario does. Sign in to save, share, or view history →
The calculator applies the standard formula for this calculation to the values you enter and returns the result instantly.
Compares a ULIP's maturity value (after allocation, fund-management and mortality charges) against buying a pure term plan and investing the premium difference in an equity mutual fund SIP.
You will need: Total Annual Premium Budget, Tenure (Years), ULIP Premium Allocation Charge (%), ULIP Fund Management Charge (% p.a.), ULIP Mortality/Admin Charge (₹ p.a.), ULIP Expected Fund Return (% p.a.), Equivalent Term Plan Premium (₹ p.a.), MF SIP Expected Return (% p.a.).
It shows ULIP Maturity Value, Total Allocation Charges Paid, Total Mortality/Admin Charges Paid, Annual MF SIP Investment (Term Path), Term + MF Maturity Value, Net Gain of Term+MF over ULIP, Recommended Path, computed instantly from the values you enter.
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