Financial analysis & HLV

Financial analysis is crucial for understanding a person's current financial position, identifying risks, and planning for future goals. It helps in making informed decisions about savings, investments, and protection needs. Human Life Value (HLV) is an essential part of this analysis—it estimates the economic worth of an individual based on income, expenses, liabilities, and future responsibilities. Knowing one’s HLV ensures adequate life insurance coverage, safeguarding a family’s financial future in case of an untimely death. Together, financial analysis and HLV form the foundation of sound financial planning and long-term wealth security.

Financial Analysis & HLV Calculator

Comprehensive financial assessment tool to calculate your Human Life Value (HLV) and generate reports

Personal Information

Your Name

Date of Birth

Occupation

Spouse's Name

Date of Birth

Occupation

Child 1

Name

Date of Birth

Child 2

Name

Date of Birth

What is your most important financial goal?

What else? (Secondary goals)

Financial Goals

Children's Education Fund (₹)

Children's Wedding Fund (₹)

Money for Retirement Years (₹)

Could your family continue their current lifestyle if you died or became disabled? Select an option Yes, comfortably Yes, but with difficulty No Not sure

Financial Details

Cash in Hand

Cash, Savings, FD's, PPF's (₹)

Mutual Funds, Stocks, Bonds (₹)

Annuities (₹)

Life Insurance (Cash Value) (₹)

Other Assets (₹)

Monthly Expenses

Rent (₹)

Household Expenses (₹)

School Fee (₹)

Electricity/Communication (₹)

Loans

Home Loan (₹)

Vehicle Loan (₹)

Consumer Loan (₹)

Study Loan (₹)

Credit Card Debt (₹)

Emergency Fund

Medical Emergency Fund (₹)

Non-Medical Emergency Fund (₹)

Current Interest Rate 6% (Multiplier: 200) 7% (Multiplier: 171) 8% (Multiplier: 150) 9% (Multiplier: 133)

Financial Analysis Report

Total Cash in Hand

₹0

Sum of all your liquid assets and investments

Monthly Expenses

₹0

Total monthly living expenses

Total Loans

₹0

Sum of all outstanding debts

Emergency Fund

₹0

Total funds for emergencies

Cash Needs

₹0

Required to maintain current lifestyle

Immediate Protection

₹0

Shortfall/Overage in immediate funds

Long-term Goals

₹0

Education, wedding, retirement funds

Human Life Value (HLV)

₹0

The total value of financial protection needed for your family's security

Based on your financial situation, we recommend increasing your life insurance coverage to cover this amount.

Financial Analysis & HLV Calculator | © 2023 All Rights Reserved

Disclaimer: This tool provides estimates only. Consult a certified financial advisor for personalized advice.