Human Life Value Calculator
Estimate the present value of future income that supports dependants.
Enter values for annual income, expected income growth, discount rate, remaining working years, outstanding liabilities, existing liquid assets. The estimate updates instantly as you change the inputs.
Use this calculator for quick planning, comparison, and scenario analysis before you make a real-world financial decision.
Outputs are estimates. Actual returns, taxes, insurance premiums, lender policies, and market conditions may differ.
Adjust the values below and the estimate updates instantly. Use this for planning and comparison before taking an actual financial decision.
Estimate the insurance cover needed for income replacement and liabilities.
Estimate term insurance cover required for your family’s income needs.
Get a rough annual premium estimate for a family floater cover.
Estimate total coverage needed after adjusting for liabilities and existing assets.