Tool 07 · Family

What your family
actually depends on

This is not a quotation.

4 min
Nothing is stored
Results downloadable as PDF

1You today

Your age35 yrs

Used to work out how many earning years remain.

Expected to work until60 yrs

The age you expect your income to stop.

Monthly income today25,000,000 IDR

Take-home income, before you split it between yourself and the household.

Expected income growth5 %

Average yearly rise over your remaining career.

2Your contribution

Share your family depends on70 %

The portion of your income spent on the household rather than on you personally. Most families land between 60% and 80%.

People who depend on you3 people

Partner, children, parents, anyone whose living costs you carry.

Years dependants still need support18 yrs

Often until the youngest child finishes education, or a partner reaches retirement.

3Obligations that would remain

Outstanding home loan500,000,000 IDR

The balance still owed on your mortgage today.

Other liabilities50,000,000 IDR

Car loans, personal loans, credit balances, business borrowing.

Children's education, in today's money600,000,000 IDR

The full cost you would want funded, whatever happens.

Other future commitments100,000,000 IDR

A wedding, care for a parent, a promise you would want kept.

4What is already in place

Savings and investments available200,000,000 IDR

Money the family could actually reach: deposits, funds, gold, liquid investments.

Existing life insurance cover300,000,000 IDR

Total sum assured across personal and employer policies.

5Assumptions you can change

Return on money set aside6 %

What the family could reasonably earn on a lump sum while it is drawn down.

Inflation4 %

Used to grow future costs and to discount your income stream in real terms.

Your result

Rp 5.070.381.916

Potential protection gap

In place Rp 500 mGap Rp 5.1 bn

Rp 5.570.381.916

Estimated total protection need

Rp 500 m

Existing resources and insurance

2.4 yrs

Years the family could carry on

Rp 4.4 bn

Value of your future family income

An educational estimate, not financial advice.

Result details

Your result

Read it as a story, not one number

Value of your future family income

Rp 4.4 bn

The family's share of your earnings over 25 more working years, in today's money.

Outstanding liabilities

Rp 550 m

Home loan and other debt that would need clearing.

Important future goals

Rp 590 m

Education and other commitments, grown to their future cost.

Existing resources and insurance

Rp 500 m

Savings and investments plus the life cover already in place.

Estimated total protection need

Rp 5.570.381.916

Income contribution plus liabilities plus future goals.

Potential protection gap

Rp 5.070.381.916

The part of the need nothing currently answers.

Years the family could carry on

2.4 yrs

How long existing resources alone would replace the household's share of your income.

What drives the need

Income contribution80% · Rp 4.4 bn
Liabilities10% · Rp 550 m
Future goals11% · Rp 590 m

The larger the band, the more of your estimated need comes from that responsibility.

Understanding your result

Human Life Value

The money side of your future contribution to the household, expressed in today's rupiah. It is one input, not the answer.

Total family protection need

That income contribution plus the debts that would remain and the goals you would want funded anyway.

Existing protection

Everything already standing between your family and that need: savings, investments and current life cover.

Remaining protection gap

The difference. A gap is not a verdict, it is a starting point for a conversation, and it moves whenever your life does.

Sensible next steps, none of them a purchase

Read your existing policies and note the actual sum assured, the term, and the exclusions.
Talk with your family about who would handle what, and where the documents are kept.
Build emergency savings first, three to six months of household costs, before anything else.
Recalculate after any big change: a new child, a new loan, a move, a change in income.

Why it's calculated this way

It is a quiet way to see the financial contribution your family relies on, the obligations that would remain, and what is already in place to meet them. Move the sliders, and the story changes with you.

Human Life Value, in plain language

It does not put a price on a person

No number can stand in for a life. Human Life Value is simply the money side of it: the part of your future earnings your family spends on living, brought back to what that stream is worth today. It answers one narrow question, if that contribution stopped, how much money would have to take its place? Everything else, love, presence, guidance, sits outside any calculator.

Family protection in Indonesia

Why the sums work differently here

Working out how much family cover you need in Indonesia, menghitung kebutuhan asuransi keluarga, is not the same exercise as in a country with broad state support. Four local realities move the number more than any formula does.

BPJS covers treatment, not the loss of an income

BPJS Kesehatan pays toward hospital care. It pays nothing to the household when the earner is gone. Family protection, proteksi keluarga, is about the salary that stops, not the bill that arrives.

Extended families depend on one earner

In many Indonesian households a single income supports a partner, children and parents at once. Count everyone whose living costs you actually carry, not only those living under your roof.

Education costs rise faster than general prices

Private school and university fees in Jakarta, Surabaya and Bali have long outpaced headline inflation. That is why school and university money is grown separately here rather than folded into a rough income multiple.

Employer cover is thinner than it looks

Group life through an employer is often one or two years of salary and it ends with the job. Enter it, but treat it as a base layer rather than the plan.

Help me understand my protection gap

Only if you would like to. A Planning Guide will read your numbers with you and explain what they mean, without a quote and without pressure. Nothing is shared until you ask.

Know someone who should try this? Send it their way.

For Instagram, copy the link and paste it in your story or bio.

Keep reading

Health Insurance Hub

How BPJS, employer cover and private health insurance fit together in Indonesia.

Health Cover Gap Check

What a serious hospital stay would still leave your family paying.

Education Planner

Work out the school and university figure to bring back into this calculator.

Income Protection Gap

The other half of the picture: an income that pauses rather than stops.

This is an educational estimate, not financial advice and not an insurance recommendation. No insurer or product is promoted here. Assumptions materially change the result, so treat the figures as a conversation starter. Nothing you enter is stored or shared unless you choose to ask for a conversation, and there is no obligation or automatic follow-up.

What your familyactually depends on