Human Life Value (HLV)Calculator
Estimate the economic value of your future income to your family.
Your details
Drag the sliders or type a number — results update instantly.
Your personal expenses, taxes and own savings — the part your family would not need.
Suggested additional life cover
₹0
Over your remaining 25 working years, your contribution to your family is worth about ₹1.57 Cr in today’s money — roughly 13.1× your annual income.
- Human Life Value
- ₹0
- Outstanding loans
- ₹0
- existing life cover
- ₹0
How the cover adds up
- Human Life Value89%
- Outstanding loans11%
Assumptions & method
- Income grows 6% a year until age 60.
- Future income is discounted at 8% a year.
- Health, critical illness and disability needs are assessed separately.
Calculations are illustrative and should not be considered financial advice.
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Understand the numbers
About this calculator
Human Life Value (HLV) is the present value of the income you are expected to contribute to your family over your remaining working years. It is a widely used way to judge how much life cover is enough.
This calculator values your future income net of your own expenses, allows for salary growth, discounts it to today and adds outstanding loans — then subtracts the cover you already have.
Calculations are illustrative and should not be considered financial advice. Actual results may be higher or lower and are not guaranteed. Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale.
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