Economic value calculator
Human Life Value Calculator
Estimate the indicative economic value of your future income contribution to your family, based on your income, income growth and remaining working years.
How this is calculated
Human Life Value estimates the total future contribution you’d make to your family’s finances if you continued working until retirement. It sums your annual household contribution over your remaining working years, increasing each year by your expected income growth rate. It is a widely used starting point for sizing protection, not an exact valuation of a person’s worth.
Assumptions used in this calculator
| Factor | Assumption |
|---|---|
| Remaining working years | Retirement age − current age |
| Future contribution | Annual contribution, compounded yearly at your growth rate, summed across remaining years |
| No discounting applied | Figures are shown in nominal (future) rupees, not present value |
| Protection gap | HLV minus existing life insurance and financial assets |
Please note: This calculator provides an educational estimate based on the information and assumptions entered. It is not financial advice, an insurance quotation, an underwriting decision, or a guarantee of coverage. Human Life Value is one of several ways to think about protection needs — it is not a precise or universal financial valuation.
Want to understand your result better?
Discuss this estimate with an insurance professional for educational guidance and context.