Human Life Value (HLV) Calculator
Estimate the present value of your future income for family expenses.
Age & Retirement
Income for Family Expenses
Growth & Investment Assumptions
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How Much Is Your Income Really Worth?
Your greatest financial asset is often not your home, investments, or savings.
It is your ability to generate future income.
For many families, future income is the asset that funds education, lifestyle, wealth creation, retirement, and future opportunities.
Yet few people ever calculate its value.
Human Life Value (HLV) helps quantify the financial value of your future earning potential.
Calculate Your Human Life Value
Estimate the present value of your future income based on Current Age, Annual Income, Expected Salary Growth, Remaining Working Years and Investment Return Assumptions. (Calculator embedded here)
Two Perspectives. One Objective.
Income-Based Approach - Focuses on the value of the future income your family depends upon.
Expense-Based Approach - Focuses on the capital required to meet future financial commitments.
Both offer valuable insight. Human Life Value starts with the asset that makes everything else possible: Your future income.
Life Insurance Should Be Calculated, Not Guessed.
Many people know how much insurance they own. Fewer know whether it reflects the financial value they bring to their family.
The Question Is Not How Much Insurance You Have.
The Question Is How Much Financial Value Your Family Would Lose Without You.
Plan Smart. Protect Income. Secure Futures.
Sources & Methodology
Human Life Value calculations are based on future income, working years, inflation, and investment return assumptions. Economic assumptions may be informed by data published by the International Monetary Fund (IMF).
Reference Source: IMF World Economic Outlook Data
Important Notice
Results are illustrative estimates based on user inputs and assumptions and do not constitute
financial, legal, tax, investment, or insurance advice or a recommendation regarding any financial or
insurance product.
