01
Estimate family contribution
Annual income minus personal expenses gives a simplified estimate of the amount available to support family needs.
Life cover planning
What is your life worth to your family’s future?
Estimate your Human Life Value (HLV) using your family’s annual financial contribution, remaining working years, liabilities, future goals and existing resources. Use the result as a planning starting point—not as a substitute for personalised financial advice.
Clear assumptions Calculated in your browser Print or save report
Your family protection snapshot
Protect the income behind the goals.
A structured estimate can help identify a potential life-cover gap.
Estimated protection need₹1.25 CrIllustrative example only
IncomeFamily support
LiabilitiesLoans & goals
ResourcesAssets & cover
Human Life Value tool
Build your protection estimate
Enter realistic figures. The estimate updates when you calculate, with the assumptions shown alongside the result.
Your financial details
Use annual amounts in Indian rupees.
Understand your result
How the HLV estimate works
Human Life Value estimates the financial contribution a person may provide to their family over time.
02
Value future contributions
Future annual contributions are projected using the selected income-growth rate and discounted to present value.
03
Adjust for obligations and resources
Liabilities and planned goals are added; available assets and existing life cover are subtracted to estimate a potential cover gap.
Methodology used on this page
Present value of a growing annual contribution stream, plus outstanding liabilities and future goals, minus earmarked assets and existing life cover. If the selected growth rate is equal to or above the discount rate, the tool uses a finite-year discounted annual contribution calculation to avoid unstable results. This is a simplified model; actual HLV methodologies may differ.
Want help reviewing your protection needs?
Discuss your income, family responsibilities and existing cover with Mind Guru Gyan.