Life Cover Calculator
What the people who depend on you would need if your income stopped, what they would already have, and the gap between the two.
What the household spends each month, leaving out loan EMIs — the loans are cleared separately below.
Everything still owed, across every loan.
Bank balances, deposits and investments. Leave out the home you live in and your EPF or NPS.
Years of living costs to cover
Your choice — for example, until the youngest finishes education. We do not pick one for you.
Through an employer or a policy of your own. Enter 0 if you hold none — blank means you have not said.
What this needs
Two answers
Choose how many years of living costs to cover, and say what life cover you already hold. Nothing here assumes a figure for you.
Nothing here grows: living costs are held at today's level and no return is assumed on the savings. The home you live in and your EPF or NPS are left out of what your family would have, so the gap leans on the cautious side.
Arithmetic on the figures you entered — not advice, and not a recommendation of any policy or provider. Whether the gap matters, and what to do about it, is your decision.
Educational estimates from your own inputs and assumptions — not investment advice. Muktify is not SEBI-registered.
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Muktify shows how long your savings would keep you going if the income stopped — from three numbers, free. This calculator works without signing up.
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