Human Life Value Calculator

Your Current Age (years)

18 30 60 100

Expected Retirement Age (years)

40 50 60 70

Annual Gross Income (₹)

Annual Living Expenses (₹)

Estimated Annual Income Growth (%)

0% 5% 10% 15%

Expected Return Rate (%)

4% 8% 12% 16%

Outstanding Loans / Liabilities (₹)

Future Financial Goals (₹), e.g. Education, Marriage

Existing Life Cover or Savings (₹)

Working Years Left: ‑

Income-Replacement HLV: ₹‑

Additions (Liabilities + Goals): ₹‑

Existing Cover / Savings: ₹‑

Recommended Total Life Cover: ₹‑

*Estimates only. This assumes fixed income growth & discount rates. Actual needs may vary based on individual circumstances. Consult a financial advisor for personalized advice.