An endowment plan mixes insurance and savings. Compare it with buying a cheap term plan for the same cover and investing the rest yourself.
loading toolHow to use the term vs endowment calculator
- Type your numbers in the boxes (pick your currency or units if asked).
- The answer updates as you type: no button to press.
- Copy the result, or share it on WhatsApp with one tap.
Questions
Why does term + investing usually win?
Endowment plans typically return 4–6% a year; diversified investments have historically returned more over 15–20 years, with more ups and downs.
Can this tell me my exact premium?
No. Every insurer prices with its own tables, so get quotes for that. These tools tell you how much cover you need and what to expect from a policy.
Is my data private?
Yes. Everything happens inside your own browser: nothing you type or choose is uploaded to us or anyone else.
Is it free?
Completely free, with no sign-up, no watermark and no limit on how many times you use it. Light ads keep the site running.
