🛡️ Family Protection Planning Tool
HLV - Human Life Value Calculator
Apni family ke financial protection ke liye approximate life insurance cover calculate karein. Ye calculator monthly family expenses, age, liabilities aur future goals ke basis par estimate deta hai..
Calculation Logic:
Required Life Cover = Family Expense Protection + Loans + Future Goals + Emergency Fund − Existing Insurance − Current Savings
Family Expense Protection = Monthly Family Expense × 12 × Remaining Working Years
Quick Estimate = Monthly Family Expense × 200
Required Life Cover = Family Expense Protection + Loans + Future Goals + Emergency Fund − Existing Insurance − Current Savings
Family Expense Protection = Monthly Family Expense × 12 × Remaining Working Years
Quick Estimate = Monthly Family Expense × 200
Your Approximate Required Life Cover
₹0
Basic Expense Multiplier Estimate
₹0
Detailed Protection Estimate
₹0
✅ Final Financial Summary
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📊 How This Calculation Works
1. Family Expense Protection
Monthly family expenses × 12 × remaining working years till age 60.
Monthly family expenses × 12 × remaining working years till age 60.
2. Loan & Liabilities Added
Existing home loan, personal loan, business loan or other liabilities included.
Existing home loan, personal loan, business loan or other liabilities included.
3. Future Goals Included
Child education, marriage and family responsibilities included.
Child education, marriage and family responsibilities included.
4. Existing Savings & Insurance Reduced
Current savings and existing life insurance cover adjusted.
Current savings and existing life insurance cover adjusted.
5. Inflation Buffer Added
Extra buffer added to help future purchasing power.
Extra buffer added to help future purchasing power.
Disclaimer:
Ye calculator sirf educational aur approximate estimation purpose ke liye hai. Actual insurance cover aapki income, liabilities, dependents, lifestyle, inflation, financial goals aur health condition ke hisaab se vary kar sakta hai.
Ye calculator sirf educational aur approximate estimation purpose ke liye hai. Actual insurance cover aapki income, liabilities, dependents, lifestyle, inflation, financial goals aur health condition ke hisaab se vary kar sakta hai.