Find Your LIC Calculator
Category Wise
How LIC Calculators Works?
Enter Policy Details
Enter your policy details once, and the calculator pulls the latest LIC bonus rates automatically.
Review Smart Projection
Instantly view maturity, death benefit & cashflow charts—updated live.
Download & Share
Export a branded PDF or share a secure link with clients in one click.
Planning for your financial future with life insurance doesn’t have to be stressful. With so many LIC plans available, it’s important to find one that truly fits your needs—and gives you a clear idea of what it’ll cost. That’s where the LIC Calculator proves helpful. It’s a simple, free tool that lets you quickly figure out premiums, maturity amounts, surrender values, and more for different LIC policies, all in one place.
Whether you’re exploring different LIC plans or trying to understand the benefits they offer, our LIC Calculator makes the process simple and straightforward. Everything you need is brought together in one simple, easy-to-use tool. In this guide, we’ll show you how it works, why it’s so useful, and how you can start using it in just a few clicks
What Is a LIC Calculator?
The LIC Calculator is an all-in-one digital tool that allows you to compute different financial aspects of LIC policies. It helps users estimate:
- Premium amounts for various LIC plans
- Maturity values based on your chosen sum assured and policy term
- Surrender values, returns, pension benefits, and more
Unlike regular calculators, our LIC tools are specially designed for each type of policy — whether it’s an endowment plan, term insurance, ULIP, or a pension scheme. Just choose your plan, enter a few basic policy details, and instantly see a clear breakdown of your premiums, bonuses, taxes, and total benefits
Types of LIC Calculators Available
On our website, you can find a wide range of calculators, including:
- Maturity Calculator
- Surrender Value Calculator
- Return Calculator
- LIC SIP Calculator
- Home Loan EMI & Eligibility
- Plan-specific tools like Jeevan Labh, Jeevan Anand, Saral Pension, and more
Each calculator has been developed using official LIC data, ensuring you get accurate and reliable projections every time.
How Does the LIC Calculator Work?
Using our calculator is straightforward. Here’s what happens when you use any of our tools:
Step 1: Enter Policy Details
Start by selecting your plan type (e.g., endowment, money-back, term) and input basic details like age, policy term, sum assured, and premium frequency.
Step 2: Smart Projection
The calculator will instantly show you a detailed breakdown, including maturity benefits, death coverage, bonus projections, and premium schedules (monthly, quarterly, half-yearly, yearly).
Step 3: Export, Download, or Share
Once you review the details, you can export the summary as a PDF or securely share it online — ideal for LIC agents, financial advisors, or personal records.
Key Features and Benefits
Here’s why thousands of users rely on our LIC calculators:
Time-Saving
Manual calculations are time-consuming and error-prone. Our tool delivers instant, accurate results in seconds.
Accuracy & Trust
We use verified LIC data and bonus structures to ensure high precision in projections — just like a LIC agent would provide.
Policy Comparison
Compare multiple policies side-by-side. Understand which policy gives you the best return, lowest premium, or highest cover.
Financial Planning Tool
From first-time buyers to long-time policyholders, this tool helps plan retirement, manage risk, and optimize savings based on real data.
Popular LIC Calculators We Offer
We have categorized our calculators for user convenience:
Insurance Plans (28 Tools)
- Endowment Plans
- Money Back Policies
- Term Assurance
- Whole Life Insurance
- Riders & Add-Ons
Pension Plans (5 Tools)
- LIC Saral Pension
- New Jeevan Shanti
- Smart Pension
- Jeevan Akshay VII
- New Pension Plus
Unit Linked & Withdrawn Plans
- Tools for ULIPs and even discontinued LIC policies for those holding older plans.
Who Can Use the LIC Calculator?
Our calculators are designed for:
- Individuals comparing LIC policies
- Existing LIC policyholders checking returns or surrender values
- Financial advisors or LIC agents looking to share benefit projections with clients
- First-time life insurance buyers wanting to estimate costs
Whether you’re salaried, self-employed, retired, or a student planning for your family’s future — this tool is meant for everyone.
Step-by-Step Guide to Using the LIC Calculator
If you’re new to the platform, here’s how you can use the calculator effectively:
- Visit the Website: Go to https://liccalculators.net
- Select Plan Type: Choose from insurance, pension, ULIP, etc.
- Pick a Calculator: Example – New Jeevan Anand Calculator
- Enter Your Details: Age, sum assured, term, etc.
- View Projections: Instantly see maturity value, bonus, and premium
- Download Report (optional): Export as PDF or share online
That’s it — no login, no complex forms, just simple and smart LIC calculations.
How This Helps LIC Policyholders
Many LIC customers don’t realize how much they stand to gain (or lose) by not understanding their policy properly. Our LIC calculators eliminate guesswork by:
- Showing exact maturity values
- Breaking down bonus components
- Calculating death benefits
- Clarifying premium payment schedules
- Helping you choose the right policy, not just any policy
Tips to Lower Your LIC Premiums
Looking to reduce your insurance costs? Try these proven methods:
- Buy Early: Younger policyholders get lower premiums.
- Choose the Right Sum Assured: Don’t over-insure — it only increases costs.
- Maintain a Healthy Lifestyle: Non-smokers and fit individuals often get better rates.
- Select Suitable Policy Terms: Align your term with retirement or life goals.
- Avoid Riders You Don’t Need: Riders add cost — choose wisely.
Why Our LIC Calculator Stands Out
There are many LIC tools online, but here’s why ours is trusted:
- User-Friendly Interface
- Updated with 2025 LIC Plans
- Fast & Ad-Free Access
- Exportable Reports for Clients/Agents
- Optimized for Desktop & Mobile
We aim to make life insurance transparent, accessible, and data-driven for everyone in India.
Final Thoughts
The LIC Calculator is more than just a number-crunching tool — it’s your digital insurance guide. It helps you explore, understand, and compare all LIC plans in a simplified way. Whether you’re planning for your family’s future, retirement, or just checking premium options, this tool brings clarity and confidence to your insurance journey.
Don’t rely on outdated brochures or verbal estimates — switch to smart, accurate, and instant calculations today.
FAQs:
Q.1: Are the results 100% accurate?
Yes, all data is sourced from official LIC guidelines and updated regularly.
Q.2: Is this tool free?
Absolutely! No charges or hidden fees.
Q.3: Can I use it for old or withdrawn plans?
Yes, our tool supports many discontinued LIC plans too.
Q.4: Do I need to log in or sign up?
No login is required. Just visit the site and start using.
Q.5: Can LIC agents use it for client presentations?
Yes. Export features and clean UI make it perfect for LIC agents and advisors.