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IRR Calculator for Endowment Plans
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Or enter the values manually:
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Input the following details:Endowment Structure
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Policy Tenure (yrs)25YearCashflow
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Annual Premium₹1,00,0001-₹1,00,000
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Premium Payment Term (yrs)122-₹1,00,000
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Initial Annual Payout3-₹1,00,000
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Initial Payout period (yrs)4-₹1,00,000
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Subsequent Annual Payout₹2,15,2705-₹1,00,000
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Subsequent Payout period (yrs)126-₹1,00,000
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Maturity Amount (excl. annual payout)7-₹1,00,000
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Internal Rate of Return (IRR)6.1%8-₹1,00,000
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9-₹1,00,000
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0.0607526275610-₹1,00,000
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Steps to use:11-₹1,00,000
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• Annual Payout refers to the amount your insurer agrees to pay you every year after the premium paying term.
12-₹1,00,000
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• Payout Period refers to the number of years after the premium paying term during which you'll receive the annual amount.
13₹,0
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• Initial & Subsequent Payouts will arise in case the payout amount changes after a few years.
14₹2,15,270
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• N.B.: If the annual payout remains same throughout the period, enter the value only in Subsequent Annual Payout & Period, leave the Initial Annual Payout & Period as blank.15₹2,15,270
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16₹2,15,270
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• If there are no annual payouts, leave them as blank.
17₹2,15,270
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• Premium Payment Term + Payout Periods should nto exceed the Policy Tenure.
18₹2,15,270
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• Don't include the last year's annual payout while entering the Maturity Amount.
19₹2,15,270
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• This Calculator has one exception and it won't work in case if the differential payout structure starts a few years after the premium payment term.20₹2,15,270
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21₹2,15,270
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