Insurance calculators

60 tools that do the arithmetic insurers rarely show you. Every one runs in your browser — nothing you type is sent anywhere or stored.

Life insurance

Life insurance needs

Work out how much life insurance your family would need using the DIME method: debt, income, mortgage and education.

Income replacement

Calculate the lump sum needed to replace your income for a set number of years, adjusted for investment growth.

Human life value

Estimate the present economic value of your future earnings, the classic underwriting basis for maximum life cover.

Life insurance coverage gap

Compare the cover you already hold against what your family would need, and see the shortfall.

Final expense needs

Add up funeral, burial, medical and administrative costs to size a final expense policy.

Mortgage protection

Work out the life cover needed to clear your mortgage, and how that need falls each year.

Term vs whole life

Compare the total cost of term life plus investing the difference against a whole life policy.

Cash value growth

Project the cash value of a permanent life policy given premiums, credited rate and policy charges.

Policy loan cost

See how a loan against your policy cash value compounds and what it leaves of the death benefit.

Key person insurance

Size the cover a business needs on a founder or critical employee, based on profit contribution and replacement cost.

Buy-sell agreement funding

Calculate the insurance needed to fund a partner buyout at each owner’s share of the business.

Estate liquidity

Work out whether your estate has enough cash to pay taxes and costs without forcing a sale of assets.

Stay-at-home parent value

Price the unpaid work a stay-at-home parent does, and the cover needed to replace it.

Retirement & annuities

Immediate annuity income

Estimate the monthly income a single premium immediate annuity would pay over a set period.

Deferred annuity growth

Project what a deferred annuity accumulates to before payments begin.

Annuity present value

Find what a stream of future annuity payments is worth in today’s money.

Pension vs lump sum

Compare a monthly pension against a one-off lump sum offer using present value.

Retirement withdrawal

See how many years your savings last at a chosen withdrawal rate and return.

Health insurance

Health plan comparison

Compare two health plans on total annual cost: premiums, deductible, coinsurance and out-of-pocket maximum.

HDHP vs traditional plan

Compare a high-deductible plan with an HSA against a traditional plan, including the tax benefit.

Out-of-pocket cost

Work out what you pay for a medical bill after deductible, coinsurance and the out-of-pocket maximum.

HSA savings

Project HSA growth and the tax saved by contributing pre-tax.

Prescription drug cost

Estimate yearly medication costs under copay or coinsurance drug tiers.

Dental insurance worth it?

Compare dental premiums and the annual maximum against the treatment you expect to need.

Critical illness cover

Size a critical illness lump sum from lost income, medical costs and fixed bills during recovery.

Disability & long-term care

Disability income gap

Find the monthly shortfall between your expenses and the benefits you would receive if you could not work.

Long-term care cost

Project the future cost of nursing home or home care given today’s rates and care inflation.

Long-term care insurance needs

Work out the daily benefit and benefit period an LTC policy needs, after your own income and assets.

Auto insurance

Should I file a claim?

Compare the payout on a claim against the premium increase you would pay for years afterwards.

Deductible break-even

Find how many claim-free years it takes for a higher deductible to pay for itself.

Total loss threshold

Check whether repair costs exceed your state’s total loss threshold against the car’s value.

Gap insurance need

See whether you owe more on your car than it is worth, and how large the gap is.

Is collision coverage worth it?

Compare the annual cost of collision cover against the most it could ever pay you.

Accident premium impact

Estimate the total extra premium you pay over the years a surcharge stays on your record.

Bundling savings

Compare separate home and auto policies against a bundled quote.

Home & property

Home coverage check (80% rule)

Test your dwelling limit against the 80% rule and see how a partial loss would be paid.

Home replacement cost

Estimate what it would cost to rebuild your home from square footage and local build costs.

Personal property coverage

Add up the value of your belongings room by room to check your contents limit.

Renters insurance needs

Work out the contents and liability cover a tenant needs, and what it costs per month.

Umbrella liability needs

Size an umbrella policy from your net worth, future income and existing liability limits.

Flood exposure

Estimate flood damage exposure and what standard NFIP limits would leave uncovered.

Business insurance

Business interruption

Calculate the income a business would lose during a shutdown, plus continuing expenses.

Workers comp premium

Calculate workers compensation premium from payroll, class rate and experience modifier.

Experience modifier impact

See what a change in your experience modifier costs or saves over several years.

Cyber insurance limit

Estimate breach costs from record count and response expenses to size a cyber policy.

General liability exposure

Estimate a general liability limit from revenue, contract requirements and claim severity.

Builders risk cover

Size builders risk cover from hard costs, soft costs and materials on site.

Claims & settlements

Actual cash value

Calculate actual cash value from replacement cost, age and expected lifespan.

Claim payout

Work out a settlement after deductible, policy limits and depreciation holdback.

Coinsurance penalty

Calculate the reduction applied to a claim when a property is insured below its coinsurance requirement.

Depreciation holdback

See how much of a claim is held back as depreciation and what you must do to recover it.

Risk & actuarial

Loss ratio

Calculate loss ratio, expense ratio and combined ratio for an insurance book.

Pure premium

Calculate pure premium from claim frequency and severity, then load it for expenses and profit.

Expected annual loss

Calculate expected annual loss and compare it against a premium to see if cover is priced fairly.

Self-insure vs buy cover

Compare retaining a risk against paying premiums, including the cost of a bad year.

Quota share reinsurance

Split premium, losses and ceding commission between insurer and reinsurer under a quota share treaty.

Excess of loss layer

Work out how a loss splits between retention, the reinsurance layer and any amount above it.