Compare Short-Pay vs Long-Pay strategy and visualize the opportunity cost
Personal Details
Short Pay Option
₹
Long Pay Option
₹
Investment Assumptions
%
Use a conservative long-term return assumption. Higher assumed returns may make the long-pay strategy appear more attractive than it may be in reality.
Results Summary
Side-by-Side Comparison
Metric
Short Pay Option
Long Pay + Invest Difference
Corpus Growth During Investment Phase
Corpus Value After Paying Future Premiums
Year-by-Year Corpus Projection
Age
Opening Corpus
Investment Return
Premium Paid
Net Gain/Loss
Closing Corpus
Frequently Asked Questions
Important: This calculator is for educational purposes only. Results depend heavily on the investment return assumption used. Always use conservative return assumptions and consult a qualified financial advisor before making insurance or investment decisions.
This calculator compares opportunity cost and investment outcomes. It does not account for taxes, inflation, policy features, lapses, rider benefits, or future changes in investment returns.