Insurance Calculators
Coverage-needs and cost calculators for life, auto, home, health, disability, and long-term-care insurance.
Insurance
8Life 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)).