Protect Pillar
Insurance & Risk Management Engines. Each calculator is optimized for precision and compliant with latest financial standards.
life insurance
9 ToolsTerm Insurance HLV Calculator
Calculate your ideal life cover using the Human Life Value (HLV) method and goal-based planning.
To calculate your term insurance need using the Human Life Value (HLV) method, subtract your personal expenses from your annual income and multiply by the years remaining to retirement, then discount to present value. A common rule of thumb is 10-15 times your annual income plus outstanding liabilities and future family goals like child education.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
LIC Traditional Policy IRR Buster
Reveal the true annual returns (IRR) of endowment and money-back policies and compare with BTIR.
The Internal Rate of Return (IRR) of most traditional endowment or money-back policies in India typically ranges between 4% and 6%. This is often lower than inflation-adjusted returns from equity or PPF. Use our IRR Buster to calculate your policy's XIRR by entering premiums, survival benefits, and maturity value.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
ULIP vs Mutual Fund Comparator
Compare ULIPs with Mutual Funds after accounting for all charges, taxes, and insurance costs.
ULIPs offer a tax-free maturity under Section 10(10D) if the annual premium is below ₹2.5 Lakh. However, they carry premium allocation and mortality charges. Mutual Funds (plus a term plan) often outperform ULIPs due to lower costs, despite the 12.5% LTCG tax on equity gains over ₹1.25 Lakh.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Life Stage Insurance Planner
Get a personalized insurance roadmap based on your current age, family, and financial milestones.
Insurance needs evolve with life stages: 20s (Health + Accident), 30s (Term + Family Floater + CI), 40s (Enhanced Health + Critical Illness), and 50s (Retirement Health + Legacy). Our planner creates a roadmap by analyzing your dependents, liabilities, and existing safety net to prioritize critical coverage gaps.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
PMJJBY & PMSBY Calculator
Analyze eligibility and coverage benefits of Pradhan Mantri Jeevan Jyoti and Suraksha Bima Yojana.
PMJJBY offers a ₹2 Lakh life cover for an annual premium of ₹436 (ages 18-50). PMSBY offers a ₹2 Lakh accidental death/disability cover for just ₹20 per year (ages 18-70). Together, they provide a ₹4 Lakh safety net for less than ₹500/year, making them the most affordable insurance options in India.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Premium vs Investment Return Comparator
Calculate the opportunity cost of paying high premiums for traditional plans vs buying term and investing.
The Buy Term Invest the Rest (BTIR) strategy involves purchasing a low-cost pure term plan and investing the remaining budget in high-yield assets like equity mutual funds. This approach often creates 2-4 times more wealth than a traditional endowment policy with the same annual outlay, while providing significantly higher life cover.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Child Education Insurance vs MF Planner
Plan your child's higher education by comparing traditional child insurance plans with a Term + SIP approach.
For a child's higher education, an equity mutual fund SIP typically generates a larger corpus than traditional child insurance plans due to higher compounding rates (12% vs 5%). For example, ₹10,000/mo over 15 years can create ~₹50L in MF vs ~₹25L in a child plan, easily covering the 10-12% education inflation.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Life Insurance Rationalizer
Audit your existing insurance portfolio to identify underperforming policies and high-cost traps.
Most Indian portfolios are 'bundled' with low-yield endowment plans. Rationalizing your portfolio involves keeping efficient term plans, surrendering low-IRR legacy policies, and freeing up cashflow for high-growth equity investments.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Term Insurance Cover Calculator
A simplified tool to estimate your life cover based on annual income and dependents.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
health eldercare insurance
8 ToolsDisability Income Planner
Estimate the cover required to replace your income in case of permanent or partial disability.
Disability insurance (Personal Accident cover) should typically be 10 times your annual income. It provides a lump sum or monthly benefit if you lose your earning capacity due to accidental death, Permanent Total Disability (PTD), or Permanent Partial Disability (PPD). This is a crucial, low-cost supplement to life and health insurance.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Health Insurance Adequacy Calculator
Check if your current health cover is enough for your family size and city-specific medical inflation.
A family of four in a Tier-1 city like Mumbai or Bangalore should ideally have a base health cover of ₹10L - ₹15L, supplemented by a ₹20L - ₹50L Super Top-up. With 14% medical inflation in India, a ₹5L cover today will likely be exhausted by a single major surgery in 5-7 years.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Health Insurance Inflation Planner
Project your future healthcare costs based on current medical inflation trends in India.
Healthcare costs in India double every 5-6 years due to ~14% medical inflation. Use our inflation planner to see how today's ₹10L coverage effectively erodes to just ₹5L in real value in 5 years, requiring strategic upgrades via Super Top-up plans.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Critical Illness Need Calculator
Calculate the lump sum required to cover treatment and recovery for major lifestyle diseases.
A Critical Illness policy provides a lump sum payout on diagnosis of major diseases like Cancer or Stroke. The ideal cover should equal 24 months of your income plus treatment costs, ensuring your family can manage EMIs and lifestyle during a long recovery period.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Super Top-up Health Insurance Calculator
Find the ideal combination of base policy and super top-up to maximize cover at minimum cost.
A Super Top-up plan provides a high sum insured (e.g., ₹50L) at 70-80% lower cost than increasing base cover. It works on an 'aggregate deductible' principle, covering all cumulative hospital bills in a year that exceed your base policy limit.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Emergency Fund vs Health Insurance
Compare the mathematical efficiency of self-insuring vs paying insurance premiums.
Insurance provides 'Instant Leverage'. Building a ₹10L medical fund yourself at ₹1,500/month would take ~25 years. A health policy gives you that same ₹10L protection from Day 1, making it a mathematically superior choice for risk management.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Group Health vs Individual Plan Optimizer
Analyze the gaps in your employer-provided insurance and build an optimal personal protection stack.
Relying 100% on employer insurance is risky due to lack of portability and potential job transitions. Optimize your cover by adding a standalone personal policy to build 'No Claim Bonus' and a Super Top-up to manage high-ticket medical bills cost-effectively.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Eldercare & Assisted Living Corpus Calculator
Calculate the fund required to ensure a dignified life for your senior parents with professional care.
Assisted living costs in Indian metros are rising at 10% annually. To provide 20 years of care starting at ₹75k/month, you need a dedicated corpus of ~₹1.8 Cr (adjusted for ROI and inflation), highlighting the need for early ring-fencing of assets.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
insurance security
2 ToolsKey Man Insurance Calculator
Determine the sum assured needed to protect your business from the loss of a crucial employee.
Keyman insurance cover is usually calculated as 10 times the key person's annual package, or 3 times the average gross profit of the company over 3 years. The higher of the two is recommended to cover revenue loss, hiring costs, and debt obligations that may be called in if the key person is lost.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Partnership Insurance / Buy-Sell
Calculate the insurance cover required to fund a Buy-Sell agreement and ensure business continuity.
Partnership Buy-Sell insurance ensures that if a partner dies or is disabled, surviving partners have immediate cash to buy their equity. This prevents heirs from interfering in management or selling to competitors, securing the firm's future.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
motor insurance
2 ToolsCar Insurance IDV Calculator
Calculate the Insured Declared Value (IDV) of your car based on its age and showroom price.
IDV is the maximum amount your insurer will pay if your car is stolen or totaled. It is calculated by applying age-based depreciation (5% to 50%) to the ex-showroom price. For cars older than 5 years, the IDV is mutually agreed between the owner and the insurer.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Two Wheeler IDV Calculator
Estimate the current Insured Declared Value (IDV) for your bike or scooter.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
property cyber insurance
3 ToolsHome Insurance Calculator
Estimate the reconstruction cost of your home and audit your sum insured against inflation.
Home insurance should be based on the 'Reconstruction Cost' (materials + labor), not the market value. In 2026 metros, this ranges from ₹3,500 - ₹5,500 per sq.ft. Ensuring your sum insured matches this cost is vital to avoid 'under-insurance' penalties during claims.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Cyber Insurance Need Calculator
Evaluate your digital risk and determine the appropriate cyber insurance cover for your profile.
With a 33% spike in Indian cyber-crimes, personal cyber insurance is no longer optional. It covers financial losses from phishing, identity theft, and ransomware. A recommended cover of ₹5L - ₹10L costs less than ₹1,500/year and provides vital legal and technical recovery support.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Secure Password Generator
Generate cryptographically secure, high-entropy passwords locally on your device.
Use our Secure Password Generator to create 128-bit entropy passwords that are mathematically impossible to brute-force. All generation happens locally on your machine for 100% privacy and zero server-side storage.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
estate legacy
1 ToolsNominee vs Legal Heir Planner
Analyze the transmission path of your assets and identify potential family dispute risks.
In India, a Nominee is a custodian, not an owner, for most assets except Demat shares. Ownership is governed by your Will or succession laws. Use this planner to identify assets where your nomination and legal heirship might conflict, potentially leading to family litigation.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
lifestyle pet insurance
1 ToolsPet Lifetime Cost & Insurance Planner
Estimate the total cost of raising your pet and determine if insurance is statistically worth it.
Raising a dog in India can cost between ₹8L to ₹15L over its lifetime. With pet medical inflation at 10%, a policy covering major surgeries and accidents is a vital 'peace-of-mind' tool to avoid high one-time out-of-pocket expenses.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.