Human Life Value (HLV) Calculator
HLV is the present value of your future earnings — the financial impact your death would have on your family. This helps determine the right life insurance cover.
Your Details
₹8.0L
₹1.0L₹1.00 Cr
₹2.0L
₹50,000₹50.0L
30 yrs
18 yrs60 yrs
60 yrs
50 yrs70 yrs
6%
2%15%
8%
4%15%
Your Human Life Value
₹1.29 Cr
Present value of your future net earnings
HLV Summary
Annual Income
₹8.0L
Personal Expenses (−)
₹2.0L
Net Annual Contribution
₹6.0L
Working Years Remaining
30 years
Income Growth Rate
6% p.a.
Discount Rate
8% p.a.
Human Life Value (HLV)
₹1.29 Cr
What is HLV? Human Life Value is the financial impact your death would have on dependents. Your life insurance cover should ideally equal your HLV.