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Insurance & Protection · Life & Disability

Human Life Value Calculator

Estimate the present value of your future earnings — a measure of your economic value to your family.

  • Free to use here · embed on the Business plan
  • 5 inputs · 5 results
  • English & Spanish

Try the Human Life Value Calculator

See the present value of your earnings — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Human Life Value calculator works out

The Human Life Value Calculator is a free, embeddable calculator from CalcFunnel. Estimate the present value of your future earnings — a measure of your economic value to your family.

You enter 5 inputs: annual income, years until retirement, self-consumption (%), annual income growth (%) and discount rate (%).

It returns human life value, net annual income (Year 1), total future net earnings, working years and self-consumption deducted (Year 1).

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01Human Life Value
  2. 02Net Annual Income (Year 1)
  3. 03Total Future Net Earnings
  4. 04Working Years
  5. 05Self-Consumption Deducted (Year 1)

The first figure — human life value — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Income & Career

Annual Income
Your current gross yearly income.
Years Until Retirement
How many more years you expect to earn income.
Self-Consumption (%)
The share of your income you spend on yourself. It is excluded because it would not need to be replaced for your family.

Assumptions

Annual Income Growth (%)
The yearly rate at which you expect your income to rise.
Discount Rate (%)
The rate used to convert future earnings into today's dollars — often a safe investment return.

For your website

Embed this calculator on your website

Put the Human Life Value Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Human Life Value calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Human Life Value Calculator calculate?
Estimate the present value of your future earnings — a measure of your economic value to your family. It returns human life value, net annual income (Year 1), total future net earnings, working years and self-consumption deducted (Year 1).
Q.02What information do I need to use the Human Life Value Calculator?
You enter 5 inputs: annual income, years until retirement, self-consumption (%), annual income growth (%) and discount rate (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Annual Income” mean in the Human Life Value Calculator?
Your current gross yearly income.
Q.04What does “Years Until Retirement” mean in the Human Life Value Calculator?
How many more years you expect to earn income.
Q.05Is the Human Life Value Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Human Life Value Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Human Life Value Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Human Life Value results financial advice?
No. Estimates only. The result is the discounted present value of projected future earnings net of self-consumption; it does not account for taxes, benefits, career changes, or inflation beyond the assumptions you enter. Consult a financial professional.

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The Human Life Value Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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