Life insurance calculators
Sixteen tools, one purpose: turn guesswork into numbers you can check. Start anywhere, or follow the order below.
Life Insurance Needs Calculator
Add up what your family would owe and need, subtract what they already have, and see the gap in dollars.
CoverageTerm vs Whole Life Insurance Calculator
See what each policy costs, then see what the difference could become if you invest it instead.
CompareLife Insurance Premium Estimator
Enter your age, cover and term to see a realistic monthly price range for term life insurance.
CostIncome Replacement Calculator
Work out the one-time payout that could fund your family's income for as long as they need it.
CoverageFuneral Cost Calculator
Add up each funeral expense and see a total, plus a suggested cover amount with a 10 percent buffer.
CostBeneficiary Share Splitter
Enter a payout and each person's percentage to see dollar amounts and catch errors before filing your form.
PlanningMortgage Protection Calculator
See your monthly payment, the interest still ahead and the cover that would let your family keep the home.
PlanningCost of Waiting Calculator
Pick how long you might delay and see the monthly increase and the extra cost across a 20 year policy.
CostStay-at-Home Parent Value Calculator: What Is It Worth?
Value unpaid childcare and housework, then turn it into a cover figure.
PlanningCollege Education Fund Calculator: Plan the Saving Goal
Inflate today's college cost, total the study years, and find the monthly saving needed.
PlanningDebt Cover Calculator: How Much Debt Would Remain?
Add up every debt, subtract existing cover, and see the gap left to clear.
CoverageTerm Life Ladder Planner: Split Cover, Lower Cost?
Split cover across 10, 20 and 30-year rungs and compare it with one long term.
CompareMonthly Budget Cover Calculator: What Can You Afford?
Turn a monthly budget into the maximum term cover it can buy.
CostBusiness Owner Cover Calculator: Protect the Business Too
Cover business debts, a buyout share and key-person replacement cost.
PlanningInflation-Adjusted Cover Calculator: Still Enough?
Grow today's cover amount by inflation and see the future shortfall.
CoverageWhole Life Cash Value Estimator: Illustrated, Not Promised
Illustrate cash value from premiums at a stated growth rate, less surrender charges.
CompareWhich calculator should I use first?
Most people should begin with the Life Insurance Needs Calculator, which sets the cover amount. Next comes price: the Life Insurance Premium Estimator shows a monthly figure, and the Term vs Whole Life Insurance Calculator helps you choose between policy types. The eight new tools cover the situations readers asked about most: valuing a stay-at-home parent, funding college, clearing debts, laddering terms, working from a monthly budget, protecting a business, adjusting for inflation, and illustrating whole-life cash value.
Every tool shows its formula, a worked example and what the model leaves out, so you can judge the result instead of just trusting it. Results are educational estimates, not quotes: real premiums depend on underwriting, health and the insurer.