Free calculators to find the right coverage amount — using income replacement, the DIME method, and policy gap analysis. No agent, no sales pitch.
How many years of income does your family need if you're gone?
Debt + Income + Mortgage + Education — the most thorough approach.
Compare 20-year total cost of term vs. whole life for the same coverage amount.
Find out if your existing coverage is enough — or how far short you are.
See how long a death benefit lasts at different monthly withdrawal rates.
No sign-up needed. Enter your numbers and get coverage recommendations immediately.
Nothing you enter is stored or transmitted. All calculations run in your browser only.
Compare income replacement, DIME, and gap analysis — get the most accurate picture.
We're a calculator site, not an insurance agency. Use these tools and make your own decision.
The four most common methods for calculating the right coverage amount — and which fits your situation.
Read More →A straightforward comparison — costs, benefits, and who should consider each type.
Read More →Why Debt + Income + Mortgage + Education gives you a more complete picture than simple income replacement.
Read More →