Free Insurance Calculators & Actuarial Tools
Transparent, actuarial-grade calculators built to help policyholders make data-driven decisions. No telemarketing, no login wall, and zero personal phone numbers required.
All Interactive Calculators
Select a tool to compute your custom figures in seconds.
IRDAI Claim Settlement & Solvency Explorer
Filter, search, and sort all 34 Life, Health, and General insurers in India by official IRDAI Claim Settlement Ratio (by count and amount), Solvency Ratio, and Cashless Hospital Networks.
Room Rent & Proportionate Deduction Calculator
Calculate the exact out-of-pocket deduction penalty when upgrading hospital rooms. Accurately splits surgeon fees, OT charges, and nursing costs under IRDAI guidelines while exempting medicines and diagnostics.
Human Life Value (HLV) Term Insurance Calculator
Replace arbitrary '10x income' rules of thumb with an actuarial present-value calculation accounting for annual household expenses, outstanding liabilities (home/car loans), inflation-adjusted education goals, and liquid investments.
Section 80D Health Insurance Tax Calculator
Calculate your exact tax cash savings across slabs (5.2%, 20.8%, 31.2%) for Self/Family, Senior Citizen Parents (up to ₹50,000), and Preventive Health Checkups (₹5,000 shared). Compares Old vs New Tax Regime.
No-Claim Bonus (NCB) Retention vs Claim Payoff Calculator
Decide whether to file a motor insurance claim for minor damage or pay out-of-pocket to retain your 20%–50% NCB renewal discount. Accounts for own damage premium, compulsory deductible, and 3-year cumulative savings.
Transparency & Actuarial Methodology
All formulas are strictly verified against the Insurance Regulatory and Development Authority of India (IRDAI) guidelines, the Income Tax Act 1961, and published underwriting practices. No sponsored prioritization or affiliate steering is ever applied.