Home -> Calculators -> HLV Calculator

Human Life Value Calculator

The Human Life Value (HLV) Calculator helps you identify your life insurance needs on basis of income expenses, liabilities and investments and secure your family’s future.

What is your annual expenses? (in Rs)

10000

5000000

For how many years do you want to provide the income for the family? (in Rs)

Expected Inflation Rate (%)

Expected Return on Investments (%)

Outstanding value of Loans (exclude Home Insurance)

10000000

Total Value of Current Investments

10000000

Existing Life Cover

50000000

Goals You need money for

50000000

Total Insurance required (Rs)
- ₹18,96,739.13

To create a detailed Financial Plan

Have a query about your finances?

To speak a unbiased Financial Counseller

Disclaimer: Please note that the calculations displayed by this tool may not be 100% accurate, correct and/or complete and that they are intended solely for general information and education purposes. You should not take any action on the basis of the information provided by this application as it should NOT be considered as a substitute for any professional financial service or advice. The creator of this calculator is in no way liable of any actions that might be taken by users.

Commercials for ITR filing services

ITR Form	Base Rate **	Services Offered
ITR 1	Rs. 750+taxes	Only for ITR 1 filing, Single Form 16 and only Salary Income
ITR 1	Rs. 1000+taxes	Multiple form 16, interest income from FD/Savings ac & salary income
ITR 2	Rs. 3500+taxes	Multiple form 16, Multiple house property, Capital gains from Indian stocks, house property, 1 Demat account, RSU Disclosure
ITR 2	Rs. 5000+taxes	Multiple form 16, Multiple house property, Capital gains from Indian stocks, house property, multiple Demat accounts – upto 5, sale of RSU
ITR 2	Rs. 7500+taxes	Multiple form 16, Multiple house property, Capital gains from Indian stocks, house property, multiple Demat accounts – upto 5,sale of RSU, filing of form 67, dividends from foreign stocks
ITR 2	Cost will be discussed based on complexity	Other than the above cases
ITR 3	Rs. 12,500	F&O Income and RSU
ITR 3	Cost will be discussed based on complexity	If Audit required

* Charges are exclusive of taxes
** Charges are per tax filing