LIC & Financial Calculators 2025

The results from our financial calculators (SIP, PPF, FD, etc.) are projections based on the information you provide and current market rates for 2025. While we strive for accuracy, actual returns may vary based on market conditions, changes in interest rates, and other factors. These calculators should be used as planning tools rather than guarantees of future returns.

To calculate the maturity value for LIC policies, enter your details in our policy-specific calculator (age, premium amount, term, sum assured). Our calculator will automatically apply the latest 2025 bonus rates and survival benefits. The calculation includes guaranteed benefits plus projected bonuses based on the most recent bonus declarations by LIC.

The old tax regime offers multiple deductions and exemptions under various sections like 80C, 80D, HRA, etc., but has higher tax rates. The new tax regime has lower tax rates but fewer deductions available. Our Income Tax Calculator for 2025-26 allows you to compare both regimes side by side to determine which one is more beneficial for your specific financial situation.

All our calculators are updated promptly whenever LIC announces new premium rates, bonus declarations, or when financial institutions update their interest rates. All calculations currently reflect the latest 2025 rates. We typically update our calculators within 24-48 hours of any official rate changes to ensure you always have the most accurate information.

SIP (Systematic Investment Plan) involves investing a fixed amount regularly (usually monthly) over a period of time, which helps average out the purchase cost through market fluctuations. Lumpsum investing means investing a large amount at once. Our financial calculators allow you to compare both approaches to see which better suits your investment goals and risk tolerance for 2025 planning.

LIC bonus rates directly impact the maturity value of participating policies. Higher bonus rates mean better returns on your policy. Our calculators incorporate the latest 2025 bonus declarations from LIC for each plan, showing both guaranteed benefits and projected bonuses. We update these rates annually after LIC announces new bonus rates.

For retirement planning, we recommend using a combination of our calculators: the Retirement Calculator to estimate your required corpus, the SIP Calculator to plan regular investments, the PPF Calculator for tax-efficient long-term savings, and the FD Calculator for secure post-retirement income. Our 2025 projections account for current inflation and interest rate trends.

Yes, our LIC policy calculators include surrender value estimates based on the policy's duration, premiums paid, and accumulated bonuses. Enter your policy details, select the current year (2025), and our calculator will show the approximate surrender value. For exact values, we recommend contacting LIC directly as surrender values can vary based on specific policy conditions.

PPF offers guaranteed returns with tax benefits under Section 80C and tax-free interest, making it suitable for risk-averse investors seeking long-term tax-efficient savings. Mutual funds potentially offer higher returns but with market risk. Compare both using our PPF calculator and SIP calculator for 2025 projections. Consider factors like your risk tolerance, investment horizon, and tax situation when deciding.