Human Life Value Calculator

Annual Income (₹)

₹3L ₹1Cr

Current Age (Years)

22 60

Retirement Age (Years)

55 70

Annual Personal Expenses (₹)

₹1L ₹50L

Discount Rate (%)

6 12

Human Life Value

₹0

Working Years: 0

Net Income: ₹0

Income Multiple: 0x

Discount Rate: 8%

HLV Calculated

Understanding Human Life Value

HLV represents the present value of all future income streams that a person can generate during their working life.

Uses discounted cash flow analysis to calculate the present value of future earnings after personal expenses.

Provides a scientific basis for determining adequate life insurance coverage for financial protection.

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Calculate term insurance premium and coverage

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Calculate term insurance for Non-Resident Indians

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