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Erdman Financial Group

What Is Your Income Actually Worth?

Your most valuable asset isn't your house or your portfolio — it's your ability to earn. Find out what your future income stream is worth today, and what's at stake if it disappears.

Insurance Planning Tool

Human Life Value Calculator

Your most valuable asset isn't your house or your portfolio — it's your ability to earn. Find out what your future income is worth to the people who depend on you.

Your Income Profile

25 yrs
yrs
Number of working years remaining before retirement.
$
Your gross annual income. Do not include a spouse's income.
6.0%
%
Expected after-tax annual rate of return on life insurance proceeds.
3.0%
%
Long-term CPI average: ~3.0% (1925–2025, U.S. Bureau of Labor Statistics).
2.0%
%
Annual percentage increase you expect in your income each year.

Your Results

HLV — Income Growth
$0
Income growth only
HLV — Inflation Adjusted
$0
Income growth + inflation
Calculation Summary
Current Annual Income —
Years Until Retirement —
Return on Investments —
Expected Inflation Rate —
Income Growth Rate —
What this means: Your Human Life Value is the lump sum needed today — invested at your expected return — to replace your future earnings stream. This is a starting point for determining how much life insurance coverage makes sense for your family's protection. Individual circumstances vary; speak with a licensed advisor to evaluate your full picture.

Take the Next Step

A number is one thing. A plan that protects it is another.

Your Human Life Value gives you a starting point for life insurance coverage. Let's talk through what that means for your specific situation and make sure the right protections are in place.

Schedule a Free Conversation