Insurance Calculators
11 free insurance calculators for life, auto, home, health, disability, long-term care and pet cover. Every tool runs in your browser — nothing you type is stored.
Life Insurance Needs Calculator
The classic DIME method: debt, income, mortgage and education.
Open →Term Life Insurance Calculator
How much coverage you need and what a policy may cost per month.
Open →Term vs Whole Life Calculator
See what the difference would grow to if you invested it instead.
Open →Auto Insurance Coverage Calculator
Liability limits that actually protect your assets, plus a premium estimate.
Open →Car Insurance Deductible Calculator
Compare two deductible options using expected annual cost, not just premium.
Open →Homeowners Insurance Calculator
Rebuild cost, recommended dwelling cover and premium estimate.
Open →Renters Insurance Calculator
How much belongings cover you need and what it costs per month.
Open →Health Insurance Subsidy Calculator
Estimate your ACA premium tax credit from household income and FPL.
Open →Disability Insurance Calculator
Size your monthly benefit and estimate what the cover costs.
Open →Long-Term Care Calculator
Project future care costs and what you would need to self-insure.
Open →Pet Insurance Calculator
Estimate the premium and the vet spend at which cover starts to pay off.
Open →How much insurance do you actually need?
Insurance is one of the few things people buy hoping never to use, which makes it easy to buy the wrong amount. The most common mistakes are insuring a house for its market value rather than its rebuild cost, carrying car liability limits that a serious lawsuit would blow straight through, and buying life cover based on a round number instead of what dependants really spend.
The calculators below each take a different approach. The life and disability tools size cover from your income and debts. The auto and home tools size cover from what you own and what it would cost to rebuild. The health subsidy tool estimates what the marketplace will actually charge you after credits. None of the premium figures are quotes — they are benchmarks built from published market averages so you can tell whether a real quote is reasonable.
Tips before you buy
- Insure the gap, not the asset. Money, savings and cover you already hold reduce what needs insuring.
- Check the deductible you could pay tomorrow. The cheapest premium often carries a deductible you could not actually fund.
- Re-shop every renewal. Insurers price new business aggressively and existing customers quietly drift upward.
- Raise liability limits before you add extras. A lawsuit is the loss most likely to ruin you, and umbrella cover is cheap per million.
Frequently asked questions
Are the premium figures real quotes?
No. Every premium here is an estimate built from published market averages and simple adjustment factors, so you can sanity-check a quote you receive. Real pricing depends on your full personal details and underwriting.
Is any of my data saved?
No. All 11 insurance calculators run entirely in your browser. What you type stays on your device and nothing is uploaded.
Which insurance calculator should I start with?
If anyone depends on your income, start with Term Life Insurance. If you drive, check Auto Coverage next, because minimum limits are usually far too low. Homeowners and Renters come after that.