Life Insurance Planning Calculator

The Human Life Value method estimates the life cover you need as the present value of the income you'd otherwise have earned and brought home, discounted at your expected investment return, plus any outstanding loans your family would need to clear, minus cover and investments you already hold. This calculator assumes your income grows at a steady annual rate and discounts each future year's income back to today's value. The figures shown are illustrative projections only and do not constitute investment or insurance advice — a full needs analysis should also weigh dependents, existing policies, and inflation in expenses.