Free Insurance Calculators
Coverage needs, premium trade-offs and out-of-pocket exposure — the arithmetic behind a policy decision, separated from the sales pitch.
35 free tools · no signup
Annuity Payout Calculator
Calculate the estimated monthly income your annuity principal could generate.
Auto Insurance Comparison Calculator
Compare two auto insurance quotes on true annual cost, including deductible-adjusted expected claim cost.
Business Insurance Calculator
Estimate annual business insurance cost across liability, property, and a BOP bundle.
COBRA Calculator
Estimate your monthly COBRA premium, including the 2% admin fee, after leaving a job.
Car Insurance Calculator
Estimate your annual and monthly car insurance premium based on age, driving record, coverage, and vehicle.
Coinsurance Calculator
See what you owe vs. what insurance pays on a bill, factoring deductible and OOP max.
Copay Calculator
Add up your primary care, specialist, prescription, and ER copays for the year.
Deductible vs Premium Calculator
Compare total annual cost of a low-deductible vs high-deductible health plan for your spending.
Dental Insurance Calculator
Compare dental insurance costs against expected dental work to see your real net savings or cost.
Disability Insurance Calculator
Estimate the monthly disability benefit that replaces your income if you can't work.
FSA Calculator
Calculate the tax savings from your Flexible Spending Account contribution.
Final Expense Calculator
Estimate the final expense insurance coverage your family would need.
Gap Insurance Calculator
Find the gap between your auto loan balance and your car's actual cash value.
HSA Calculator
Project your Health Savings Account balance, growth, and tax savings over time.
Health Insurance Calculator
Estimate your ACA marketplace monthly premium and potential subsidy in seconds.
Home Insurance Calculator
Estimate your annual homeowners insurance premium from rebuild cost, region risk, and deductible.
Human Life Value Calculator
Calculate the present value of your future earnings to size your life insurance need.
Insurance Deductible Calculator
Compare low vs. high deductible insurance plans to see which costs less long-run.
Insurance Premium Calculator
Estimate your auto, home, life, or health insurance premium based on coverage, risk, and deductible.
Life Expectancy Calculator
Get an illustrative life expectancy estimate based on age, gender, and lifestyle.
Life Insurance Needs Calculator
Calculate your ideal life insurance coverage using the DIME method in seconds.
Long Term Care Insurance Calculator
Project your future long-term care costs and see if your savings will cover the gap.
Medicare Cost Calculator
Estimate your total yearly Medicare cost including Part B, Part D, Medigap, and out-of-pocket spending.
Mortgage Protection Calculator
Estimate mortgage protection insurance coverage and monthly premium vs. term life.
Out-of-Pocket Max Calculator
See the most you'll pay in a plan year based on your deductible, coinsurance, and OOP max.
Pet Insurance Calculator
Estimate your pet's monthly premium and compare reimbursement to paying vet bills yourself.
Renters Insurance Calculator
Estimate your monthly and annual renters insurance premium from personal property value, liability, and deductible.
Travel Insurance Calculator
Estimate travel insurance cost based on trip price, traveler age, length, and coverage level.
Umbrella Insurance Calculator
Estimate the right personal umbrella liability limit based on your net worth and income.
Vision Insurance Calculator
Compare vision plan costs vs. paying cash to see your real net savings.
Whole Life Cash Value Calculator
Project how your whole life insurance cash value could grow over time.
Workers Comp Calculator
Estimate annual workers' compensation premium by payroll, class code rate, and experience mod.
⚖️ Term vs. Whole Life Calculator
Compare the total cost of term vs. whole life insurance and see what investing the difference could earn.
📋 Term Life Insurance Calculator
Estimate your monthly and annual term life insurance premium in seconds.
🛡️ Life Insurance Calculator
Find out how much life insurance coverage your family actually needs in minutes.
Deductible against premium
A higher deductible lowers the premium, and whether that is a good trade depends entirely on how often you claim and whether you could absorb the deductible if you had to. The comparison tools calculate the crossover point — the annual claim level at which the cheaper premium stops being cheaper overall.
How much cover is actually needed
Life cover needs are usually estimated from income replacement, outstanding debt, and future obligations such as education, rather than from a round multiple of salary. The human-life-value and needs calculators make each of those components a visible input so you can see which one is driving the total.
Estimates, not quotes
Real premiums depend on underwriting: health, age, location, claims history and factors no calculator can see. These tools show how the pricing structure behaves and what the trade-offs cost, which is useful preparation for a conversation with an insurer — but they are not quotes and every page says so.
