Human Life Value (Lost Earnings) - Quick Calculator

This "Human Life Value Quick Calculator" will tell you how much money you'd need today (with interest earnings) to replace your projected income and employer sponsored benefits until retirement. You can select the number of years until retirement, pick a growth rate for your annual income, and choose the interest rate to use in calculating today's economic value of your future earnings.

Step 1: Enter the before-tax value of your current salary and/or earned income + the value of employer paid employee benefits (medical, retirement plans, etc.).
Step 2 : Enter the number of years until you expect to retire.
Step 3: Enter an estimate of your expected annual wage growth rate until retirement. (The average rate for the last 10 years has been approximately 3.5 % to 4.5 %).
Step 4: Enter an estimate of the average annual interest rate you can earn on an intermediate to long-term lump-sum investment. (%).

Click on "Compute" to calculate how much money you'd need today (with interest earnings) to replace your projected income + benefits until retirement:
Get your FREE personal life insurance cost comparison


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