Disclaimer: This tool uses the Expense Replacement Method + Liabilities to estimate coverage needs. Not professional advice.

Insurance Gap Checker

Human Life Value (HLV) Calculator

Annual Income (₹)

Current Savings (₹) Existing investments, FDs, etc.

Outstanding Loans (₹) Home Loan, Personal Loan etc.

Current Life Cover (₹) Sum Assured of existing policies.

Expected Annual Return (%)

Return on corpus for family sustenance (usually FD rate)

₹ 0

Insurance Gap

Total Cover Needed -

Existing Resources -

Calculating...