AdvisorDesk — Free planning toolkit

Every number your family needs to know about financial protection

Four calculators covering insurance, retirement, education and premium affordability. Free for everyone. No sign-up. Results in your numbers, not generic estimates.

Free to use — always
🛡️
Start here
Insurance Gap Calculator
How much life cover does your family actually need? What is the gap between that and what you have today?
Most used
→
🏖️
Retirement
Retirement Corpus Calculator
What corpus do you need at retirement to sustain your lifestyle? What monthly SIP closes the gap?
Phase 1
→
🎓
Child goals
Child Education Planner
What will your child's education cost at today's education inflation? How much do you need to save monthly?
Phase 1
→
💰
Affordability
Premium Affordability Check
What cover can your income comfortably support? Is the cover you are looking for within your budget?
Phase 1
→
⚖️
Smart comparison
SIP vs Participating Life Plan
Mutual fund or participating insurance? See the real numbers side by side — corpus, IRR, tax impact and life cover — and make an informed choice.
New
→
🤝
Guidance
Product Category Finder
Tell us your goal. Get the right product category matched to your need, without a specific product pitch.
→
About you
35 yrs
60 yrs
2
Your finances
6%
8%
Financial diagnosis

Your details are used only to prepare for a meaningful conversation. Not shared with any third party.

Your situation
35 yrs
60 yrs
80 yrs
Rate assumptions
6%
10%
7%
Retirement diagnosis
Child details
5 yrs
18 yrs
IIT/NIT ₹8-15L • Private engg ₹5-8L • Medical ₹20-50L
Rate assumptions
10%
10%
Education diagnosis
Your income and target cover
35 yrs
25 yrs
Affordability diagnosis
Your investment details
This same amount goes into MF SIP and the insurance premium
10 yrs
50 yrs
35 yrs
Participating plan illustration inputs

These are the illustrated maturity values from your benefit illustration document. Enter the values for your specific quote. The tool will calculate IRR from these numbers.

Comparison diagnosis
True return on the participating plan
Why this matters
What you are actually choosing between
Honest verdict

Disclaimer: Participating plan values are illustrated at 4% and 8% bonus scenarios as per IRDAI illustration norms and are not guaranteed. Mutual fund returns are assumed for illustration only and are not guaranteed. Past performance does not guarantee future results. This tool is for educational and comparison purposes only. Consult a licensed advisor before making any financial decision.

What are you trying to achieve?

Select your primary goal. The tool will match you to the right category of insurance product. No specific insurer is recommended.

Your situation
35 yrs
2
Product match
💬 Chat on WhatsApp