Insurance
Human Life Value Calculator — Estimate in Seconds
The economic value of your future earnings, discounted to today.
₹18 L
₹1 L
₹18,00,000
₹10 Cr
₹4 L
₹0
₹4,00,000
₹5 Cr
18
32 years
65
40
60 years
75
0
7%
20
1
8%
20
Human life value
₹3,21,03,177
- Net annual contribution to family
- ₹14,00,000
- Working years remaining
- 28 years
- Undiscounted total
- ₹3,92,00,000
- Rounded cover to buy
- ₹3,25,00,000
What this means.HLV is the more rigorous method — it discounts future earnings and excludes what you spend on yourself, since your family would not need to replace that. It usually lands close to 15–20× current income for someone in their thirties.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
Your data stays with you
This calculator runs entirely in your browser. Your income, loan amount, salary and any other figure you type is never transmitted to Credsir or anyone else. Nothing is stored, logged or shared.