कैलकुलेटर लोड हो रहा है...
Calculate recommended term life insurance sum assured cover based on Human Life Value (HLV), inflation-adjusted living expenses, liabilities, and family goals
Child higher education, marriage, emergency fund
Mutual funds, EPF, savings, existing life cover
Based on 30 working years remaining till age 60
| Requirement Component | Calculation Basis | Amount (₹) |
|---|---|---|
| Inflation-Adjusted Living Expenses | Monthly expense of ₹50,000 compounding at 6% inflation for 30 years | ₹4.74 Cr |
| Outstanding Loans & Liabilities | Home loan, car loan, credit card, personal debt balance | ₹30.00 L |
| Future Family Milestones | Children higher education, marriage, emergency Corpus | ₹20.00 L |
| Less: Current Assets & Cover | EPF, mutual funds, savings, existing active life insurance | - ₹10.00 L |
| Recommended Sum Assured (Rounded) | Net Cover rounded to standard insurance ₹25L brackets | ₹5.25 Cr |
The HLV method rounds up net required insurance cover to standard ₹25 Lakhs sum assured brackets, ensuring your family receives an adequate lump-sum payout to replace lost income and pay off debt.
इस श्रेणी के अन्य उपयोगी वित्तीय टूल्स से अपनी गणना की तुलना करें।
10%+ शिक्षा व स्वास्थ्य महंगाई से अपने परिवार के भविष्य को सुरक्षित करें।
कम SWR के लिए बड़ा रिटायरमेंट कॉर्पस क्यों चाहिए, वाटर टैंक सादृश्य, और मुद्रास्फीति के साथ 30 साल की टिकाऊ रणनीति।