Insurance Calculators

Coverage-needs and cost calculators for life, auto, home, health, disability, and long-term-care insurance.

All tools

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Life Insurance Needs Calculator (DIME)
How much life insurance do you need? DIME = Debt + Income (× years) + Mortgage + Education.
Term vs Whole Life Comparison
Compare 30-year cost: cheap term + invest-the-difference vs more-expensive whole life with cash value.
Auto Insurance Rate Estimator
Rough estimate based on US-average factors: age, credit, territory, driving history.
Home Insurance Replacement Cost Estimator
Replacement cost = sq ft × $/ft² for your construction class. (Different from market value!)
Umbrella Policy Coverage Calculator
Recommended umbrella coverage = net worth + 5-10× annual income (lawsuit-protection rule of thumb).
Disability Insurance Needs Calculator
Compute monthly benefit needed: typically 60-70% of gross income, less Social Security DI.
Long-Term Care Insurance Cost Estimator
Average annual premium varies sharply with age at issue — buying earlier is much cheaper.
Annuity Payout Calculator
Fixed monthly payout from annuity principal: PMT = P × r / (1 − (1+r)^(−n)).
Health Plan: Deductible vs Premium
Total annual cost = premiums × 12 + expected medical × cost-share until OOPM.
HSA Tax Savings Calculator
Tax saved = contribution × marginal tax bracket. Triple tax advantage with HDHP.
FSA Tax Savings Calculator
Tax saved = contribution × marginal rate. Use-it-or-lose-it (with $640 max carryover 2025).
Life Insurance Cash Surrender Value
Cash surrender = cash value − surrender charges. Estimate before cancelling permanent policy.
Insurance Bundling Savings
Auto + Home from same carrier typically saves 5-25%.
COBRA vs ACA Marketplace Cost
COBRA = full premium + 2% admin. Marketplace = unsubsidized premium with possible subsidy.
ACA Subsidy Estimator
Premium tax credit caps benchmark Silver plan at 0-8.5% of income (sliding scale).
Home Replacement Cost
Replacement cost = sq ft × $/ft² (region + quality). Different from market value.
Homeowners Deductible Tradeoff
Annual savings × years until deductible jump pays back.
Auto Liability Coverage Minimums
State minimums shown vs recommended; coverage shortfall risk.
Pet Insurance ROI vs Out-of-Pocket
Premium total vs expected vet costs over pet lifetime.