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HLV & Term Planner
Advisor-Grade Financial Protection Tool
Personal Details
Current Age
Retirement Age
Financials
Annual Income
₹
Inc. Growth (%)
Expenses (%)
Outstanding Loans / Liabilities
₹
Existing Life Cover
₹
0
Protection Score
Human Life Value (HLV)
₹0
Additional Cover Needed
₹0
Calculating…
Why HLV Matters?
- Economic Value: HLV isn’t just a number; it represents the net financial contribution you will make to your family over your working life.
- Income Replacement: Term insurance should replace this income if you aren’t around, ensuring your family’s lifestyle doesn’t downgrade.
- Inflation Adjusted: This tool accounts for your income growing over time and discounts it to today’s value (Net Present Value).
- Liabilities: Loans eat into your family’s safety net. We add your liabilities to your HLV to ensure debts are cleared instantly.
Disclaimer: This tool is for educational purposes only. The calculation assumes a standard discount rate of 6% and income growth as per your input. Please consult a SEBI-registered Investment Advisor or CFP for personalized advice.