Human Life Value (HLV) Calculator
Most people are under-insured. Use this scientific calculator to find out the exact amount your family would need to maintain their lifestyle if you weren't there.
Calculate Your HLV
Adjust the values to match your financial profile.
1860
Ready to Calculate?
Enter your details on the left to see your comprehensive Human Life Value analysis.
What is Human Life Value (HLV)?
Human Life Value (HLV) is a numeric value that represents your economic worth to your family. In insurance terms, it is the amount of money your family would need to replace your future earnings and pay off all liabilities if something were to happen to you today.
Why is HLV important?
- It prevents Under-Insurance: Many people buy random policies (e.g., ₹5 Lakhs) which are insufficient.
- It accounts for Inflation: Your family's expenses will grow over time.
- It covers Liabilities: Home loans, personal loans, and children's education costs are factored in.
How is it calculated?
We use the Income Replacement Method adjusted for inflation and liabilities:
HLV = (Annual Income - Personal Expenses) × Years to Retirement + Outstanding Loans - Current Savings