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In this policy, the investment risk in the investment portfolio is borne by the policyholder.

ULIP Calculator

Understanding and making the most of investment choices is crucial in the dynamic realm of personal finance. One of the several options available is a Unit Linked Insurance Plan (ULIP), a versatile tool that merges insurance with investment opportunities. When dealing with the complexities of ULIPs, it is vital to make well-informed selections tailored to one's financial goals and risk tolerance.


ULIP Calculator is a cutting-edge tool to help investors reach financial independence. Using this state-of-the-art calculator, you may easily and accurately assess the potential benefits and returns of ULIP investments. So, let’s learn more about what is ULIP, the benefits of the ULIP Calculator and much more in the article below. ...Read More

ULIP Calculator
How to use the calculator? Let us know few details to calculate the returns

Returns calculated for HDFC Life Click 2 Wealth - Invest Plus Option


What is the ULIP Calculator?

An online tool called a ULIP calculator allows users to enter their required return on investment (ROI), investment horizon, and risk tolerance. Entering the intended investment amount, investment horizon, desired investment stay length, and predicted rate of return allows the calculator to determine the plan's maturity value.

These ULIP return calculator online help investors compare different ULIP plans. They let customers assess the possible long-term development of their investment by considering market fluctuations and the basic performance of the chosen investment funds.

Why Use ULIP Calculator?

Some of the uses of the ULIP Calculator include:

Financial Planning

Financial Planning

Being financially prepared is the first step towards a secure future. The ULIP Calculator free details the interplay between ULIPs and your other goals, which may aid in developing a sound financial plan.

Goal Setting

Goal Setting

Achievable goals are the foundation of a prosperous financial future. The ULIP Calculator may assist you in establishing and prioritising your investments in pursuit of any long-term goal, whether it is retirement, paying for education, or a home down payment.

Investment Comparison

Investment Comparison

Although it may initially seem daunting, the ULIP Calculator makes evaluating investment options straightforward for different types of ULIPs. You can compare several ULIP plans, their features, potential returns, and costs to make educated investing decisions that align with your objectives.

Risk Assessment

Risk Assessment

Comprehending and controlling risk is critical if one aspires to attain financial security. The ULIP Calculator can help you discover the ideal combination of risk and return for your investment portfolio by comparing the risk tolerance of different ULIPs.

Flexibility Analysis

Flexibility Analysis

Assessing one's adaptability is crucial for handling sudden and unexpected changes in one's financial circumstances. Use the ULIP Calculator to compare the features of various ULIPs, such as the flexibility to change funds, amend premium payments, or add riders, to ensure your investment remains flexible enough to meet your evolving needs.

Investment Monitoring

Investment Monitoring

It is crucial to analyse how your assets are doing to stay on schedule with your financial goals. The ULIP Calculator gives you the means to track and evaluate the performance of your ULIPs, which is crucial for the longevity of your investment strategy. Because of this, you can enhance your strategy and make changes quickly.

How to Use ULIP Calculator?

Follow the steps below to use the ULIP Calculator:


Click here to access the ULIP Calculator free.


Provide basic information, including name, date of birth, gender, and contact details like mobile number and email address.


Submit information on pre-existing conditions, drinking and smoking habits


Enter the amount of premium or the amount of money you would like to invest in ULIP


Select the frequency of premium payment from the following options – monthly /quarterly/half-yearly/yearly


Choose the tenure of your choice


Select the investment fund of your choice from the given options – a mix of debt, fixed income and equity in various proportions.


Click on the ‘’Calculate’’ button to generate the estimated returns on the selected ULIP plan.

Features of ULIP Calculator

  • Transparency in Fund Returns Calculation using Ulip Calculator.


    When it comes to calculating your returns for every individual fund taking into account fluctuating markets, the online ULIP calculator provides complete transparency. You can accurately monitor particular funds for specific tenures that you have selected transparently.

  • Goal-Based Savings Through Fund Analysis with ULIP Calculator.

    Goal-based Savings

    Analyse the fund options to gauge which investment will perform to suit your need, preferences and affordability and generate maximum returns to initiate goal-based savings with the help of the ULIP calculator.

  • Comprehensive Control Over Investments Provided by the ULIP Calculator.

    Comprehensive Control

    You have full control over your investments with the ULIP Calculator. The flexible parameters and intuitive interface of your ULIP investment plans allow you to tailor them to your financial goals and risk appetite. The ULIP Calculator free makes changing premium amounts simple, looking at other fund options, and assessing various scenarios. You may take charge of your decision-making process with this tool for investors.

  • ULIP Calculator As A Planning Tool For Financial Portfolio Management.

    Planning tool

    As you plan your investment portfolio, the online ULIP calculator can effectively act as your financial planner. It clearly highlights everything that you want to understand about the fund where you intend to invest depending on your objective, goals and risk appetite.

  • Flexibility in Investment Amounts and Periods with ULIP Calculator.


    The ULIP Calculator provides a lot of flexibility when it comes to determining the amount that you wish to invest in unit-linked products. You can modify your desired premium amount and time period of the investment to get an accurate estimate on what its future value will be. This calculation will also take into account your requirements, affordability, preferences and long-term goals.

  • Rational Investment Decision-Making Aided by ULIP Calculator'S Return Estimations.

    Rational Investment Decision

    Have total control over your decision-making by analysing and comparing the estimated returns of ULIP products using the online ULIP calculator. The results generated focus on a comparative cost analysis with an estimation of returns that can help plan your future investments rationally involving these specific funds in question.

How do you calculate ULIP investment returns online using HDFC Life's ULIP Calculator 2024?

To find out how much money you may expect to get from your ULIP investment in 2024, you can use this online tool from HDFC Life:

  • Visit the official website of HDFC Life Insurance.

  • You can find the ULIP Calculator free tool on that page. Look under the "Insurance" or "Investments" tabs on the site for this. 

  • Upon starting the ULIP Calculator, you will likely be prompted to fill out several fields. Certain pertinent facts, such as your age, investment amount, premium payment period, and insurance term, may be placed here. Give precise details for the best outcomes.

  • One common feature of HDFC Life's ULIPs is the availability of many funds, such as equity, debt, and balanced funds. Select the funds' percentages according to your investment goals and risk appetite.

  • The ULIP return calculator will provide an ROI prediction once you've input all the necessary details. Reviewing and evaluating the data may better understand your investment's prospective long-term success.

  • If you are unhappy with the projected returns or want to try alternative options, you may adjust the calculator's parameters to your preference. Modifications to the investment amount, premium payment duration, distribution of money, etc., may be necessary.

How Does HDFC Life’s ULIP Plan Calculator Work?

The ULIP plans Calculator from HDFC Life will teach you everything you need to know about Unit Linked Insurance Plans (ULIPs) and how to put money into one. Detailed instructions are provided here for the process:

  • Kindly start by providing some information about yourself, like your age, gender, earnings, and any financial goals you have in mind. Inserting the data into this ULIP return calculator, its suggestions can be adjusted to your requirements.

  • Once you are done with this process, you will enter the information about the ULIP policy that you want to buy, including the premium amount, policy term, premium payment period, and sum assured. These variables are the big factors determining the performance of ULIP and the benefits it provides.

  • Investors are offered numerous fund choices, each with its risk exposure, in HDFC Life's ULIPs. These funds include equity, debt, and balanced alternatives. The calculator allows you to allocate your premium to several funds according to your risk tolerance and investment preferences.

  • The ULIP return calculator uses complex algorithms to estimate your future investment returns once you provide all the necessary information. 

  • With this tool, you may get an all-inclusive projection of the potential returns on your ULIP investment. Everything from the fund value to the value at maturity to the death payment and any other policy advantages is based on your provided data.

  • In addition, you could utilise HDFC Life’s ULIP Plan Calculator to analyse different scenarios. Trying out different investment strategies, you will probably adjust some parameters, such as the premium amount, size of insurance or fund switching allocation. If you change any of these factors, your ULIP may stop functioning, and you may fail to understand the advantages it provides.

  • The results are seen, and your HDFC Life ULIP plan is compared as soon as the calculation is done. You can make an informed choice by interpreting the projections that yield outputs, benefits, expenses, and other critical elements that matter in the plan.

With the use of the ULIP Calculator from HDFC Life, individuals become aware of their choice of financial package to meet their personalised needs and objectives.

Benefits of a ULIP Calculator

A wonderful choice for those looking to invest and get insurance simultaneously is a Unit Linked Insurance Plan (ULIP). Better financial planning and more educated decision-making are two benefits of using a ULIP calculator.

Accurate Financial Projection

Accurate Financial Projection

A ULIP plan calculator can help users receive reliable projections of their wealth creation over the long run. A person's maturity value and investment return may be calculated by inputting relevant data such as premium amounts, policy conditions, and fund allocations.

Assessing the Potential Returns

Assessing the Potential Returns

A ULIP Calculator, which factors in different scenarios and fund performances, allows investors to assess the potential returns on their ULIP investments. Afterwards, their financial goals and risk management could influence their strategy decisions.

Informed Investment Choices

Informed Investment Choices

 In order to help customers make well-informed investment choices, the ULIP plan calculator outlines the features, benefits, costs, and predicted returns of various plans. This is useful for helping investors choose the ULIP plan most suited to their specific requirements.

Customize Plans

Customize Plans

One of the main draws of ULIP calculators is the ability to personalise programs according to individual goals and requirements. Investors may tailor their plans to their needs by changing parameters, including premium amounts, policy durations, and fund allocations.

Risk Evaluation

Risk Evaluation

New risk assessment features are included in the ULIP calculator to assist investors in comparing different plans and fund choices. By taking this step, individuals may ensure that their investment aligns with their risk tolerance and financial objectives, striking a balance between them.

Comparative Analysis Tool

Comparative Analysis Tool

 In order to help you compare and contrast different ULIP plans, the ULIP plan calculator exhibits them side by side. This enables individuals to make well-informed investment decisions by carefully analysing the plan's characteristics, benefits, costs, and potential returns



Users may save time and effort using ULIP calculators since they do away with complex financial modelling and time-consuming manual computations. Users can simply and swiftly organise their budgets by comparing several investment scenarios.

Easy to Use

Easy to Use

The ULIP calculator are designed to be user-friendly, so anyone with varying levels of financial understanding may use them. The straightforward inputs and user-friendly UI make ULIP planning a breeze for users.

ULIP Charges You Should Know About

Unit-linked Insurance Plans (ULIPs) are innovative because they mix insurance with investing options. It is essential to understand the various costs associated with ULIPs in order to make informed investment decisions. Below are some important ULIP charges to remember:



Premium Allocation Charge

The Premium Allocation Charge is the first to be subtracted from the policyholder's premium. It covers expenses, including agency commissions, administrative fees, and distribution charges. The last step is to allocate the remaining premium to the chosen funds.


Fund Management Charge

The Fund Management Charge (FMC) covers the costs of managing the ULIP's investment funds. This charge, determined as a percentage of AUM, varies across different funds' performances.


Policy Administration Charge

ULIP Policy Administration Charge (PAC) funds to the cost of policy administration of the ULIP insurance policy. The natural course of events for an insurance firm, which involves service costs of issuance, collecting premiums and dealing with policy, is to make withdrawals on your account.



Mortality Charge

The Mortality Charge is one of the expenses incurred by ULIPs as they are the life insurance as well. The insured amount, the gender, the age and the health status of an applicant are some of the factors for calculating the premium. As the policy accrues mortality expenses, the cover of life remains live during the policy term.

It is critical to understand these ULIP expenses to assess the overall cost structure and potential investment returns. These expenses might vary across insurers and ULIP plans. Yet, knowing about them can help you manage your portfolio better and make informed decisions.

FAQs on ULIP Calculator

1 Is ULIP a good investment plan?

Yes, ULIP is a good investment plan for those who are looking at a long-term goal of wealth creation, and at the same time, want protection through life insurance. It gives policyholders the dual benefit of insurance and investment.

2 How is ULIP calculated?

ULIPs are determined by several factors, including the premium, fund allocation, policy length, fund performance, and fees. By entering these facts, the ULIP Calculator may provide an educated guess as to the potential future investment returns. Considerations such as fund growth rates of return, inflation, and fees are included in the estimation of the ULIP's performance and benefits.

3 How does the ULIP calculator work?

The ULIP plan calculator arrives at an expected return after assessing various data points such as tenure, premium, age, and rate of return. It must be noted that as ULIPs are subject to market risks. The online ULIP calculator will show the estimated amount and return on the investment.

4 How does the ULIP plan work?

The insurance company pools in money from all policyholders and then invests them in the funds chosen by them. After the money is invested, the total corpus is then divided into various units, which are then distributed to each policyholder, in accordance with the amount he/she has invested.

5 How does ULIP work?

When you invest in a ULIP, a part of your premium goes into the insurance cover, while the rest is then invested into either equity or debt funds depending on your choice of funds.

6 Does the ULIP investment calculator also calculate the life insurance coverage?

The most accurate ULIP calculators will incorporate the investment component and the life insurance coverage in their predictions. When you input your premium amount, age, and sum guaranteed into the calculator, it will predict your life cover and investment returns. In light of their financial goals and security needs, users may assess the ULIP's overall value offer and make educated decisions.

7 How is a ULIP calculator helpful for offline purchases?

One can choose to buy ULIP plans both online and offline. Although if you plan to purchase the ULIP plan offline, you will have to either do it through an agent or physical branches. Even if you opt for the offline plan, you can use the ULIP calculator to find out the estimated return on your investment in the future.

8 What is ULIP NAV?

The Net Asset Value or NAV gives you the per-unit value of the assets after deducting the liabilities. This is how you can keep track of the performance of your fund.

9 How is ULIP NAV calculated?

The NAV of a ULIP plan can be calculated by adding up the total ULIP funds on a date and then deducting expenses like operating and management charges from it. The net value is divided by the total number of units to get the NAV. 

10 Is the mortality charge deducted for the entire deduction of the plan?

The mortality charge is dependent on the sum assured more than the fund value, also known as the sum at risk. To cover the sum at risk, insurers take an additional mortality charge, which goes out of the pocket of the insured policyholder.

11 How do I pay ULIP premiums?

You can pay premiums both online and offline, just like you purchase a ULIP plan. One can choose to make a lump-sum payment or pay in regular intervals, either monthly, quarterly, half-yearly, or in annual installments. Your ULIP plan could have limited premium payment tenure, while other payment tenures can go on for the complete duration of the policy. 

HDFC life
HDFC life


Reviewed by Life Insurance Experts


We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance solutions - protection, pension, savings, investment, annuity and health.

In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.

Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Life Insurance Company and HDFC Life Click 2 Wealth (UIN:101L133V03) is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contact are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.

ARN – MC/03/24/10159