Human Life Value Calculator

Use this calculator to estimate the economic value of your life based on your income, expenses, and financial contributions to your dependents.

Calculator

Results

Human Life Value: $0.00

Data Source and Methodology

The Human Life Value calculator follows the methodology outlined by financial experts to determine the economic value of life based on income and expenses. All calculations are strictly based on these guidelines.

The Formula Explained

The formula used is as follows: HLV = (Annual Income - Expenses) × Years of Contribution

Glossary of Variables

Annual Income: Total yearly income before taxes.
Expenses: Annual costs and financial obligations.
Years of Contribution: Projected years you plan to support your dependents financially.

How It Works: A Step-by-Step Example

Consider an individual with an annual income of $100,000, annual expenses of $40,000, and plans to contribute for 20 years. The HLV is calculated as: (100,000 - 40,000) × 20 = $1,200,000

Frequently Asked Questions (FAQ)

What is Human Life Value?

Human Life Value is a method of calculating the economic value of a person's life.

How is Human Life Value calculated?

It is calculated based on the individual's income, expenses, and financial contributions to their dependents.

Why is Human Life Value important?

It helps in determining the amount of life insurance needed to protect one's dependents financially.

Can the Human Life Value change over time?

Yes, it can change based on changes in income, expenses, and financial commitments.

Is Human Life Value the only factor in deciding life insurance coverage?

No, other factors like debts, future goals, and current savings also play a role.

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Audit: Complete

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.

Formula (extracted LaTeX)

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Variables and units

T = property tax (annual or monthly depending on input) (currency)
I = homeowners insurance (annual or monthly depending on input) (currency)

Sources (authoritative):

NIST — Weights and measures — nist.gov · Accessed 2026-01-19
https://www.nist.gov/pml/weights-and-measures
FTC — Consumer advice — consumer.ftc.gov · Accessed 2026-01-19
https://consumer.ftc.gov/

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

, ', svg: { fontCache: 'global' } };

Human Life Value Calculator

Use this calculator to estimate the economic value of your life based on your income, expenses, and financial contributions to your dependents.

Calculator

Results

Human Life Value: $0.00

Data Source and Methodology

The Formula Explained

The formula used is as follows: HLV = (Annual Income - Expenses) × Years of Contribution

Glossary of Variables

Annual Income: Total yearly income before taxes.
Expenses: Annual costs and financial obligations.
Years of Contribution: Projected years you plan to support your dependents financially.

How It Works: A Step-by-Step Example

Consider an individual with an annual income of $100,000, annual expenses of $40,000, and plans to contribute for 20 years. The HLV is calculated as: (100,000 - 40,000) × 20 = $1,200,000

Frequently Asked Questions (FAQ)

What is Human Life Value?

Human Life Value is a method of calculating the economic value of a person's life.

How is Human Life Value calculated?

It is calculated based on the individual's income, expenses, and financial contributions to their dependents.

Why is Human Life Value important?

It helps in determining the amount of life insurance needed to protect one's dependents financially.

Can the Human Life Value change over time?

Yes, it can change based on changes in income, expenses, and financial commitments.

Is Human Life Value the only factor in deciding life insurance coverage?

No, other factors like debts, future goals, and current savings also play a role.

```

Audit: Complete

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.

Formula (extracted LaTeX)

\[','\]

','

Variables and units

T = property tax (annual or monthly depending on input) (currency)
I = homeowners insurance (annual or monthly depending on input) (currency)

Sources (authoritative):

NIST — Weights and measures — nist.gov · Accessed 2026-01-19
https://www.nist.gov/pml/weights-and-measures
FTC — Consumer advice — consumer.ftc.gov · Accessed 2026-01-19
https://consumer.ftc.gov/

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

]], displayMath: [['\\[','\\]']] }, svg: { fontCache: 'global' } };, svg: { fontCache: 'global' } };

Human Life Value Calculator

Use this calculator to estimate the economic value of your life based on your income, expenses, and financial contributions to your dependents.

Calculator

Results

Human Life Value: $0.00

Data Source and Methodology

The Formula Explained

The formula used is as follows: HLV = (Annual Income - Expenses) × Years of Contribution

Glossary of Variables

Annual Income: Total yearly income before taxes.
Expenses: Annual costs and financial obligations.
Years of Contribution: Projected years you plan to support your dependents financially.

How It Works: A Step-by-Step Example

Consider an individual with an annual income of $100,000, annual expenses of $40,000, and plans to contribute for 20 years. The HLV is calculated as: (100,000 - 40,000) × 20 = $1,200,000

Frequently Asked Questions (FAQ)

What is Human Life Value?

Human Life Value is a method of calculating the economic value of a person's life.

How is Human Life Value calculated?

It is calculated based on the individual's income, expenses, and financial contributions to their dependents.

Why is Human Life Value important?

It helps in determining the amount of life insurance needed to protect one's dependents financially.

Can the Human Life Value change over time?

Yes, it can change based on changes in income, expenses, and financial commitments.

Is Human Life Value the only factor in deciding life insurance coverage?

No, other factors like debts, future goals, and current savings also play a role.

```

Audit: Complete

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.

Formula (extracted LaTeX)

\[','\]

','

Variables and units

T = property tax (annual or monthly depending on input) (currency)
I = homeowners insurance (annual or monthly depending on input) (currency)

Sources (authoritative):

NIST — Weights and measures — nist.gov · Accessed 2026-01-19
https://www.nist.gov/pml/weights-and-measures
FTC — Consumer advice — consumer.ftc.gov · Accessed 2026-01-19
https://consumer.ftc.gov/

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn