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જીવન વીમો કૅલ્ક્યુલેટર

Life Insurance Needs Calculator

વાર્ષિક આવક
Years of Income to Replace
Total Debts ($)
Funeral/Final Expenses ($)
વર્તમાન બચત
Existing Life Insurance ($)

What is Life Insurance Calculator?

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જીવન વીમા કેલ્ક્યુલેટર અંદાજ આપે છે કે આશ્રિતોને નાણાકીય મુશ્કેલીથી બચાવવા માટે કેટલા કવરની જરૂર છે. પ્રમાણભૂત પ્રારંભિક નિયમ 10-15× વાર્ષિક આવક છે.

DigiCalcs delivers precision-engineered tools for engineers and STEM professionals.

સૂત્ર

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f(x)Cover = (Annual income × years to replace) + Debts − Liquid assets

How to Life Insurance Calculator

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  1. 1Cover = (Annual income × years to replace) + Debts − Liquid assets
  2. 2DIME method: Debt + Income (×years) + Mortgage + Education costs
  3. 3Term insurance: fixed period; whole of life: permanent cover
  4. 4Review after major life events

Worked Examples

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Example 1
Given:£50k income, £200k mortgage, 2 dependants
પરિણામ:Minimum cover: £200k mortgage + £50k × 20yr = £1.2M

Cover Estimation Methods

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MethodFormulaExample (£50k salary)
Income multiple10–15× salary£500k–£750k
DIMEDebt+Income+Mortgage+EducationPersonalised
Human life valuePV of future earnings£500k–£1M

Frequently Asked Questions

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Q

What is Life Insurance?

A

A life insurance calculator estimates how much cover is needed to protect dependants from financial hardship. The standard starting rule is 10–15× annual income

Q

How accurate is the Life Insurance calculator?

A

The calculator uses the standard published formula for life insurance. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

Q

What units does the Life Insurance calculator use?

A

This calculator works with inches. You can enter values in the units shown — the calculator handles all conversions internally.

Q

What formula does the Life Insurance calculator use?

A

The core formula is: Cover = (Annual income × years to replace) + Debts − Liquid assets. Each step in the calculation is shown so you can verify the result manually.

માત્ર માહિતીના હેતુ માટે. આ ટૂલ નાણાકીય સલાહ નથી. રોકાણ અથવા નાણાકીય નિર્ણયો લેતા પહેલા લાયક નાણાકીય સલાહકારની સલાહ લો.
Deep Dive

Read the full guide on how to use this calculator effectively

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Term vs Whole Life Insurance

Accuracy-checked
Reviewed October 2026
Our methodology

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