čŽäŋåŽåå ąä¸įŽäēįļ | Calculate Insurance Returns Easily
Calculate the TRUE return rate of your Hong Kong insurance policies
Download on the App StoreInsurance salespeople show you attractive projected returns. But what's the real Internal Rate of Return (IRR) after accounting for all your payments? PolicyEase äŋåŽæ gives you the truth in seconds - no spreadsheets, no complex formulas, just clear answers.
Uses Newton-Raphson method - the same algorithm financial professionals trust. Get guaranteed and non-guaranteed returns instantly.
Save up to 2 policies and compare them instantly. See which policy truly offers better returns at a glance.
HKD, USD, CNY, EUR, GBP, JPY, SGD, AUD, CAD. Analyze policies in any major currency.
Compare against HK inflation, savings rates, bonds, and equities. Know if your policy beats the market.
All data stored on your device. No cloud, no tracking, no data collection. Your financial info never leaves your phone.
Full interface in English, Traditional Chinese (įšéĢä¸æ), and Simplified Chinese (įŽäŊä¸æ).
No internet required. Calculate IRR anytime, anywhere, even on a plane or in the MTR.
Yearly, Half-Yearly, Quarterly, Monthly, or Single Payment. Handles any payment schedule.
HK$8 / USD $0.99. Pay once, use forever. No subscriptions, no hidden fees, no in-app purchases.
Evaluating ILAS, endowment, or whole life savings policies from insurers like AIA, Prudential, Manulife, or FWD.
Quickly demonstrate policy returns to clients with professional-grade calculations during consultations.
Just starting your career and comparing your first insurance policies to find the best value.
Calculating projected retirement income from insurance policies and comparing against other investments.
Analyzing USD or CNY-denominated policies and understanding real returns in multiple currencies.
Don't trust sales projections? Calculate the guaranteed IRR yourself and make informed decisions.
| Feature | iOS App (HK$8) |
Web Pro (HK$88 / HK$188) |
|---|---|---|
| Guaranteed IRR Calculation | â | â |
| Non-Guaranteed IRR Calculation | â | â |
| Market Benchmarks | â | â |
| Policy Comparison | Up to 2 | Unlimited |
| Cloud Sync | â | â |
| FX Impact Analysis | â | â |
| Fulfillment Rate Analysis | â | â |
| PDF Export | â | â (Pro) |
| Offline Capable | â | â (PWA) |
| Privacy | 100% Local | Local Storage |
Want unlimited policies and advanced features? Upgrade to our Web Pro version!
Get HK$16 off when you upgrade to Web Pro
Web Premium: HK$88 â HK$72 with your discount
Web Professional: HK$188 â HK$172 with your discount
"I was shocked when I calculated the guaranteed IRR of my 'high-return' insurance policy. It was only 1.8% - below inflation! PolicyEase äŋåŽæ saved me from a bad investment."
"As a financial advisor, I use this to show clients exactly what they're getting. The side-by-side comparison feature is fantastic for demonstrating value."
"Finally, a tool that's honest about insurance returns. The app is simple, fast, and the privacy-first approach gives me peace of mind."
Input your annual premium, payment period, payment frequency, and payout information. Takes less than 1 minute.
Tap "Calculate" and get both guaranteed and non-guaranteed IRR in seconds using professional algorithms.
Save your policy, add another one, and compare them side-by-side. Make informed decisions backed by data.
Verdict: The guaranteed return barely beats inflation. The non-guaranteed return is competitive with bonds, but remember - non-guaranteed projections may not materialize.
Unlike other financial apps, PolicyEase äŋåŽæ collects ZERO data. No analytics, no tracking, no cloud storage, no account required.
100% Local Storage
All data on your device
No Accounts
Use anonymously
No Analytics
Zero tracking
Offline Capable
No internet needed
Calculate your insurance policy's real IRR in seconds
Download Now - HK$8 Try Web Version Free