Insurance Calculators

Life Insurance Needs Calculator

Estimate how much life insurance your family needs using the DIME method.

Term Life Premium Estimator

Estimate annual premiums for a level term life policy.

Human Life Value Calculator

Quantify your lifetime economic value to your family.

Whole Life vs Term Life Comparison

Compare total cost of term plus investing vs whole life.

Life Insurance Rider Cost Estimator

Estimate the added cost of common life insurance riders.

Whole Life Cash Value Projection

Project cash value growth of a whole life policy.

Life Insurance Affordability Calculator

See how much life insurance premium fits your budget.

Life Insurance Estate Tax Estimator

Estimate estate tax exposure from a life insurance payout.

Health Insurance Cost Estimator

Estimate total annual health insurance cost including out-of-pocket.

HSA-Eligible HDHP vs PPO Comparison

Compare a high-deductible HSA plan against a traditional PPO.

HSA Future Value Calculator

Project the tax-free growth of a health savings account.

FSA Contribution Estimator

Decide how much to put in a flexible spending account.

Medicare Supplement (Medigap) Cost Estimator

Estimate Medigap premiums alongside Medicare Part B.

Medicare IRMAA Estimator

Check if your income triggers Medicare income-related surcharges.

COBRA Continuation Cost Calculator

Estimate the full cost of COBRA coverage after job loss.

Out-of-Pocket Maximum Impact Calculator

See worst-case annual spending under a health plan.

ACA Premium Tax Credit Estimator

Estimate your ACA marketplace premium subsidy.

Auto Insurance Premium Calculator

Estimate annual auto insurance premiums for your vehicle and driver profile.

Auto Liability Coverage Needs

Determine appropriate bodily injury liability limits.

GAP Insurance Calculator

Decide if GAP coverage is worth it for your loan.

Auto Deductible Break-Even Calculator

Find the break-even point between two collision deductibles.

Claims Impact on Premium Calculator

Estimate how an at-fault claim affects future premiums.

Umbrella Policy Needs Calculator

Determine the umbrella liability limit for your assets.

Auto Total Loss Settlement Estimator

Estimate your payout if the vehicle is totaled.

Teen Driver Cost Impact Calculator

Estimate the premium increase from adding a teen driver.

Home Insurance Coverage Calculator

Estimate dwelling, personal property, and liability coverage.

Home Insurance Premium Estimator

Estimate annual homeowners premiums from key risk factors.

Flood Insurance Needs Calculator

Estimate flood coverage and premiums for your property.

Home Deductible Break-Even Calculator

Compare premium savings from a higher home deductible.

Replacement Cost vs ACV Calculator

Compare replacement cost and actual cash value settlements.

Home Claims Impact on Premium Calculator

Estimate premium increases after filing a home claim.

Renters Insurance Estimator

Estimate renters insurance coverage and premiums.

Home Inventory Value Calculator

Total the value of your personal property for coverage.

Disability Insurance Needs Calculator

Estimate the monthly disability benefit you need.

Disability Insurance Premium Estimator

Estimate annual premiums for an individual disability policy.

Own-Occupation vs Any-Occupation Comparison

Compare cost and protection of own-occ vs any-occ definitions.

Disability Benefit Period Calculator

Choose a benefit period based on recovery and retirement age.

Disability Elimination Period Calculator

Pick an elimination period that matches your emergency fund.

Social Security Disability Estimator

Estimate potential SSDI monthly benefits.

Disability Income Gap Calculator

Quantify the income shortfall during a disability.

Disability Probability & Impact Calculator

Estimate the financial risk of a disability over your career.

Long-Term Care Cost Estimator

Project future long-term care costs in your area.

LTC Insurance Premium Estimator

Estimate annual premiums for a long-term care policy.

LTC Insurance vs Self-Funding Calculator

Compare buying LTC insurance against self-funding care.

LTC Benefit Period Calculator

Choose a benefit period based on average care duration.

Hybrid Life/LTC Policy Calculator

Compare a hybrid life-LTC policy against standalone LTC.

LTC Inflation Protection Impact Calculator

Show how inflation protection preserves your benefit.

LTC Elimination Period Calculator

Choose an LTC elimination period matching your savings.

Medicaid LTC Spend-Down Estimator

Estimate assets spent before qualifying for Medicaid LTC.