Savings IRR calculator
Enter annual premiums and terminal values from your own illustration. Compare annual IRR at 0%, 50% and 100% of the non-guaranteed component.
Illustration only, not advice.
General information only. The operator is a referrer, not a licensed insurance intermediary.
Assumptions and limits
One currency, annual periods: each premium is paid at the start of its year; terminal value is received at the end of the final year. Include zero-premium years. No intermediate withdrawals, tax, fees, FX or inflation. Missing values are not zero. Non-guaranteed amounts may not be paid.
Calculations stay in this browser. Inputs are not sent, stored or added to the enquiry link. Avoid personal identifiers.
Static worked example
Hypothetical example — invented amounts, no product recommendation.
- Premiums by year (comma-separated; include zero years)
- 10000, 10000, 0, 0, 0
- Guaranteed surrender value
- 21000
- Non-guaranteed surrender value
- 5000
- 0%
- 1.09%
- 50%
- 3.65%
- 100%
- 5.99%
Your illustration results
Calculations stay in this browser. Inputs are not sent, stored or added to the enquiry link. Avoid personal identifiers.