Human Life Value (HLV) Calculator

Why Calculate Your HLV?

Protect Your Family Know exactly how much Life cover you need
Scientific Method Based on Income, Goals & Assets
Avoid Under-Insurance Most Families are 60% under-Insured
Secure & Private Your Data is never Stored or Shared

1Personal

2Liabilities & Goals

3Assets & Cover

4Calculate

1. Personal Details

Income Replacement = (Retirement Age − Current Age) × (Annual Income − Annual Personal Expenses)

Current Age *

years

Type your current age (18 – 75)

Retirement Age *

years

Type your planned retirement age (40 – 80)

Annual Income *

₹

Annual Personal Expenses *

₹

2A. Liabilities

All debts your Family must clear

All Loans (Home, Car, Personal)

₹

Credit Card Outstanding

₹

Other Liabilities (private loans, advances)

₹

2B. Future Goals

Major Future Expenses for your Family

Child Education

₹

Child Marriage

₹

Tour / Travel

₹

Retirement Corpus

₹

Other Goals (house, business)

₹

3A. Existing Assets

Your Savings & Investments (reduces required cover)

Fixed Deposit (FD)

₹

Monthly Income Scheme (MIS)

₹

Provident Fund (PF)

₹

Mutual Funds

₹

Shares / Stocks

₹

Emergency Fund

₹

3B. Existing Life Cover

Sum assured of all your Life Insurance policies

Existing Life Insurance Cover

₹

4. Calculation Summary

Review your Inputs & click Calculate to see the final HLV.

Summary of Your Inputs

1️⃣ Income Replacement ₹ 0

2️⃣ Total Liabilities ₹ 0

2️⃣ Total Goals ₹ 0

3️⃣ Total Assets ₹ 0

Existing Life Cover ₹ 0

Complete all 4 steps to see your Human Life Value & recommended cover.