Insurance XIRR Calculator

Estimate the real annualized return from endowment plans, ULIPs, money-back policies, and guaranteed income plans using dated cash flows.

Tax year 2026 - Updated June 2026

Start with a template

Pick a common policy pattern, then edit the amounts and dates from your policy illustration or statement.

Editable examples

Policy inputs

Policy type

Premium amount

INR

Premium paying years

years

Premium frequency

Policy start dateMaturity date

Expected maturity value

INR

Optional surrender value

If entered, XIRR uses surrender value instead of maturity value.

Surrender dateSurrender value

INR

Estimated XIRR

5.63%

Based on dated premium outflows and payout inflows. XIRR is annualized.

Total premiums paid

₹10,00,000

Total payouts received

₹18,00,000

Net gain / loss

₹8,00,000

Interim payouts

Add money-back payments, survival benefits, guaranteed income, or ULIP partial withdrawals.

Recurring income payouts

Use this for guaranteed yearly income, monthly pension income, or other repeated payouts without adding every row manually.

No recurring payout schedule added.

Cash flow summary

Premium count	10
First premiums shown	2026-04-01: ₹1,00,000, 2027-04-01: ₹1,00,000, 2028-04-01: ₹1,00,000
Positive payouts	1

Payout cash flows

Maturity value

2041-04-01

₹18,00,000

Formula used

Premiums are entered as negative dated cash flows.
Maturity, surrender, money-back, guaranteed income, and ULIP fund values are positive dated cash flows.
Recurring payout schedules are expanded into monthly, quarterly, half-yearly, or yearly dated cash flows.
XIRR is the annualized rate where the net present value of all dated cash flows is approximately zero.
If surrender value is entered with a valid date, surrender value is used instead of maturity value.
This calculator does not include mortality cover value, tax, GST, fund charges, policy charges, bonuses not entered as payouts, or claim benefits.

Quick answers

Insurance XIRR Calculator FAQs

What is XIRR in an insurance policy?

XIRR is the annualized return calculated from dated cash flows such as premiums paid, money-back payouts, surrender value, and maturity value.

Can I calculate XIRR for endowment plans and ULIPs?

Yes. Enter premiums as outflows and maturity, surrender, or interim payouts as inflows. Templates can help start common endowment, guaranteed income, ULIP, and pension scenarios.

Why can insurance XIRR be different from advertised returns?

Advertised numbers may show benefits, bonuses, or illustrations differently. XIRR depends on exact premium dates, payout dates, charges, and actual amounts received.

Should I include life cover value in XIRR?

This calculator focuses on investment cash flows only. It does not assign a separate value to life cover, protection benefit, or claim benefit.

Does the calculator include GST, tax, or policy charges?

No. Include only cash flows you want reflected in the return. GST, tax benefits, fund charges, mortality charges, and bonuses are not included unless you enter them as cash flows.

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Assumptions

Templates are editable examples only; replace premium, payout, date, and maturity values with your policy document figures.
Premiums are treated as negative cash flows and payouts are treated as positive cash flows.
Recurring income schedules are expanded into dated monthly, quarterly, half-yearly, or yearly cash flows.
XIRR is annualized and depends heavily on exact dates and payout amounts.
If surrender value is entered with a valid date, surrender value is used instead of maturity value.
Does not value life cover, tax benefits, GST, mortality charges, fund management charges, loyalty additions, or bonuses unless entered as cash flows.
Use policy documents or insurer statements for exact premium and payout dates before making decisions.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.

Policy inputs

Policy type

Premium amount

INR

Premium paying years

years

Premium frequency

Policy start dateMaturity date

Expected maturity value

INR

Optional surrender value

If entered, XIRR uses surrender value instead of maturity value.

Surrender dateSurrender value

INR

Formula used

Premiums are entered as negative dated cash flows.

Maturity, surrender, money-back, guaranteed income, and ULIP fund values are positive dated cash flows.

Recurring payout schedules are expanded into monthly, quarterly, half-yearly, or yearly dated cash flows.

XIRR is the annualized rate where the net present value of all dated cash flows is approximately zero.

If surrender value is entered with a valid date, surrender value is used instead of maturity value.

This calculator does not include mortality cover value, tax, GST, fund charges, policy charges, bonuses not entered as payouts, or claim benefits.

Assumptions

Templates are editable examples only; replace premium, payout, date, and maturity values with your policy document figures.

Premiums are treated as negative cash flows and payouts are treated as positive cash flows.

Recurring income schedules are expanded into dated monthly, quarterly, half-yearly, or yearly cash flows.

XIRR is annualized and depends heavily on exact dates and payout amounts.

If surrender value is entered with a valid date, surrender value is used instead of maturity value.

Does not value life cover, tax benefits, GST, mortality charges, fund management charges, loyalty additions, or bonuses unless entered as cash flows.

Use policy documents or insurer statements for exact premium and payout dates before making decisions.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.