Nepal Insurance Authority • Actuarial Valuation & IRD Compliant

5 Free Life Insurance Calculators & Planners for Nepal

Make accurate, transparent financial decisions. Calculate policy maturity with compounded reversionary bonuses, assess your family’s exact Human Life Value protection need, compare pure term premiums, and maximize statutory NPR 40,000 Section 12 tax savings.

✓ 100% Free & No Registration
✓ Audited FY 2080/81 Bonus Rates
✓ IRD 5% TDS Compliant

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Most Popular

Policy Maturity & 5% TDS Calculator

Simulate your endowment or money-back maturity proceeds. Automatically factors declared reversionary bonuses across 14 life insurers and deducts Section 88 5% TDS on net profits.

Key Metric: Net Bank Payout = Gross Maturity – 5% TDS on Profit

Open Maturity Calculator →

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Family Essential

Human Life Value (HLV) Calculator

Calculate exactly how much life insurance protection your family needs to replace future income, clear home loans, and finance milestone education goals.

Key Metric: Identifies your family’s exact Protection Underinsurance Gap

Open HLV Calculator →

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High Coverage

Term Insurance Premium Calculator

Get instant quotes for pure term life insurance policies from NPR 50 Lakhs up to 3 Crore. Compare annual, monthly, and daily cost per lakh of coverage.

Key Metric: High protection cover starting at just Rs 43 / day

Open Term Calculator →

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Tax Savings

Section 12 Tax Rebate Calculator

Calculate exact cash tax savings from the NPR 40,000 statutory life insurance deduction across individual and couple tax slabs for F.Y. 2081/82.

Key Metric: Save up to Rs 14,400 per year in direct cash taxes

Open Tax Calculator →

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14 Insurers

Bonus Rate Comparison Tracker

Compare latest declared reversionary bonus rates (रु. प्रति हजार बीमाङ्क) across all 14 life insurers for 5, 10, 15, 20, and 25+ year policy durations.

Key Metric: Official audited rates from Nepal Insurance Authority

Open Bonus Tracker →

How to Use the Beema Nepal Calculator Suite for Smart Planning

Step 1: Find Your Coverage Need

Start with the HLV Calculator to determine the exact lump sum needed to secure your dependents and clear debts.

Step 2: Compare Cost & Returns

Use the Term Calculator for affordable high protection, or the Maturity Calculator to estimate savings payouts.

Step 3: Optimize Section 12 Tax

Use the Tax Rebate Calculator to ensure you claim your full statutory NPR 40,000 annual income tax deduction.