Insurance Needs Calculator
Calculate how much life insurance cover you need to protect your family's future.
Your Details
Yrs
Yrs
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Financial Status
Home loan, car loan, etc.
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FD, MF, property value, etc.
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Current term insurance, etc.
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%
Recommended Life Cover
₹0
Based on your income, expenses, and liabilities for the next 0 years.
Human Life Value
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Income 10x Rule
₹0
Expense Method
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Coverage Methods Comparison
Documentation
Understanding Insurance Needs
Human Life Value (HLV)
HLV calculates the present value of all future income you would earn until retirement. It represents the economic value of your life to your dependents.
Expense Method
This method calculates the present value of future expenses your family would incur, plus any outstanding liabilities, minus existing assets.