- Income replacement need
- ₹1.62 Cr
- Liabilities to clear
- ₹40.00 L
- Goals to fund
- ₹30.00 L
- Total requirement
- ₹2.32 Cr
- Currently covered
- 32.3%
- Months of expenses covered
- 100 months
Visual summary
- Income replacement₹1.62 Cr
- Liabilities₹40.00 L
- Goals₹30.00 L
- Existing cover₹50.00 L
- Assets₹25.00 L
What this suggests
- The gap represents what the family would need to arrange from other sources. Cover adequacy, claim reliability and documentation matter more than product features.
- Health cover is assessed separately and is not included in this figure.
This calculator provides an indicative estimate for educational purposes only. Actual outcomes depend on your financial circumstances, applicable laws, market conditions and professional advice.
Assumptions
What this tool assumes
- Income replacement is based on household expenses dependent on the earning member.
- No investment return is assumed on the corpus; this is a simple requirement estimate.
- Existing assets are treated as fully available, which may not be the case in practice.
Take it further
Services that use this analysis
Family Wealth Planning
One coordinated plan across the household rather than separate, disconnected decisions.
Family Protection Planning
Ensure income, liabilities and goals remain covered if the earning member is unavailable.
Insurance Needs Assessment
Quantify life, health and liability cover requirements against what you already hold.