DIY Wealth Planning

Free Tool · DIY Wealth Planning

Human Life Value & Risk Architecture Engine

Calculate your true economic replacement value and eliminate premium drag through advanced blending calibration.

Your Inputs

Adjust any value — results update instantly.

$
39 yrs
18 yrs70 yrs
65 yrs
50 yrs75 yrs
3%
010
25%
1050
Methodology: Future earnings are compounded at your growth rate, then discounted to present value at 3% (NPV). Net HLV = NPV × (1 − self-consumption rate). Permanent Base = 15% of Net HLV. Term Rider Target = 85% of Net HLV.

Your Results

Present-value dollars. Updates as you move the sliders.

Your Total Net Human Life Value Baseline

$3,786,408

26 working years · 25% self-consumption · 3% NPV discount

Active Working Years Left

26 yrs

Until your target independence age

Total Raw Future Earnings

$7,710,608

Nominal, with compound growth

Future Earnings (NPV)

$5,048,544

Discounted at 3% to today's dollars

Net HLV Baseline

$3,786,408

After self-consumption adjustment

Blended Allocation Split

Optimized Permanent Base15%

$567,961 — Max cash accumulation focus

Calibrated Term Rider85%

$3,218,447 — Low-cost temporary protection shield

Free Blueprint

Secure Your Custom HLV Blueprint

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No spam. No sales pitch. Educational content only.

How HLV Fits the Three-Tier Capital Framework

Your HLV calculation tells you how much protection your income stream needs. The Milestone Allocator™ tells you how to deploy the capital that accumulates inside the Permanent Base. Together, they form a complete risk architecture for high earners.

Tier 1

Liquid Runway

6× fixed overhead in a HYSA. Never at risk. Never in an insurance product.

Tier 2

Milestone Savings

T-Bill ladder for near-term goals. Separate from your protection architecture.

Tier 3

Equity Engine

Long-term capital — including the Permanent Base from your HLV allocation — compounding tax-efficiently.

Frequently Asked Questions

Educational purposes only. This calculator provides a general estimate using the Human Life Value method and does not constitute financial, insurance, tax, or legal advice. Actual insurance needs depend on many factors including existing coverage, debts, dependents, estate goals, and tax considerations. Life insurance products involve risk, fees, and underwriting requirements. Consult a licensed insurance professional for a personalized analysis. Coaching through Cube Wealth Dimensions and insurance-related services through Cube Insurance Group are separate offerings.