Financial Readiness Calculators

Explore the numbers behind your goals.

Use six calculators to explore how different assumptions may affect illustrative outcomes. Results are estimates for general information and are not investment advice.

Annual Expenses Required by Dependants₹6.00 L

₹

Years of Financial Support Required25 yrs

1 yrs40 yrs

Household Expense Inflation6%

3%10%

Post-Tax Return on Claim Proceeds7%

3%12%

Outstanding Liabilities / Loans₹25.00 L

₹

Future Goals Funding Required₹20.00 L

₹

Investments Available to Dependants₹15.00 L

₹

Existing Life Insurance Cover₹10.00 L

₹

Recommended Term Cover

₹1.54 Cr

The amount required to fund your dependants' expenses, liabilities and stated future goals, after deducting investments and life cover already available to them.

Model used

Family-needs Human Life Value: present value of inflation-linked dependant expenses, paid from today, plus liabilities and future goals, less existing investments and life cover.

Assumptions

Dependants require ₹6.00 L in the first year for 25 years.
Expenses rise by 6% annually; claim proceeds earn 7% annually after tax.
Future goals are entered as the amount required today; taxes, claim delays and emergency reserves are excluded.

Next step

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Discuss what these numbers mean for your plan.