Insurance Calculators
Size your coverage: human life value, disability, long-term care and comprehensive life analysis.
Insurance is about protecting your plan from the risks that could derail it — without paying for more than you need. These calculators size the few policies that matter: enough life cover for your family, the triple-tax power of an HSA, and the cost of care in later life.
Work out how much life insurance to carry, project an HSA, and plan ahead for long-term care.
Read the complete insurance guideHow much life insurance do these calculators recommend?
They estimate coverage from your real obligations — income to replace, debts, the mortgage and education — minus what you already have. The human-life-value and life-insurance tools each take a slightly different approach to the same question.
Do these calculators replace advice from an agent?
No. They give a grounded estimate of how much coverage to consider, which helps you shop confidently and avoid being over-sold. The policy details and quotes still come from an insurer.
Are these insurance calculators free?
Yes — free with no sign-up and no contact details required. Use them to size your coverage before you ever talk to an agent.