Recent Calculations
One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earnings. Use this calculator to determine your economic value for your loved ones... your Human Life Value.
Number of years before retirement.
Your current annual income. If you are married, this should not include any income from your spouse.
This is the annual rate of return you expect from your investments after taxes. The actual rate of return is largely dependent on the type of investments you select. For example, the total return including dividends of the S&P/TSX Composite Index for the 10 year period ending December 31, 2025 was 12.5% (source www.spglobal.com). Savings accounts at a bank or credit union may pay as little as 2% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido.
Insurance products may additionally include mortality, expense risk charges, cost of insurance, administrative, and surrender charges that will have a significant impact on the total rate of return for the investment.
What you expect for the average long-term inflation rate.
Annual percent increase you expect in your annual income.
This is the total amount you would need invested today, to equal the total earnings of a person's lifetime. Two values are calculated for you. The first includes only your expected income growth, the second includes your expected income growth plus the impact of inflation.