Insurance calculators
Term-vs-whole life, premium-vs-coverage, HDHP-vs-PPO trade-off helpers.
All insurance tools
14 tools, each runs locally in your browser. Click any card to open it.
Car Insurance Deductible Optimizer takes vehicle price, down payment, rate, term and returns the matching car insuranc…
Disability Insurance Calculator computes tax free ISA balance from annual contribution, return rate, years. Runs entir…
Health Insurance Estimator takes coverage, deductible, term, age and returns the matching health insurance estimator r…
Life Insurance Needs (DIME) takes coverage, deductible, term, age and returns the matching life insurance needs (dime)…
Renters Insurance Calculator takes coverage, deductible, term, age and returns the matching renters insurance result. …
Term Insurance Cover takes coverage, deductible, term, age and returns the matching term insurance cover result. Runs …
term vs whole life, whole life vs term, term life insurance vs whole life, life insurance comparison, buy term invest …
Term vs Whole Life Insurance takes coverage, deductible, term, age and returns the matching term vs whole life insuran…
Umbrella Insurance Calculator takes coverage, deductible, term, age and returns the matching umbrella insurance result…
term vs whole life insurance 2026, buy term invest difference, 7702 plan, 80C insurance India, DIME need term vs whole…
PPO vs HMO vs HDHP 2026, HSA $4400, health plan picker, ACA subsidy MAGI, MOOP 2026 ppo vs hmo vs hdhp+hsa picker 2026…
Estimate your insurance premiums based on coverage amount and risk factors.
Choose between High Deductible Health Plan (with HSA) and PPO based on expected medical use, premium difference, and t…
Disability insurance replaces income if you cannot work. Calculate the coverage amount you need based on monthly expen…
About insurance
Insurance calculators cover the coverage-need and premium-rationality questions every household runs once a year: term life insurance amount (income-replacement vs DIME method), term vs whole life break-even, umbrella liability sizing, health insurance HDHP vs PPO total-cost comparison, HSA contribution optimisation, vehicle insurance liability limit picks, renters insurance personal-property coverage, and disability insurance income replacement.
Use these to answer: how much term life coverage do I need with 2 kids and a $400k mortgage, when does whole life ever beat buy-term-and-invest-the-difference, do I need an umbrella policy if I have a pool and a teen driver, will I save money with an HDHP + HSA vs a PPO at my expected utilisation, and what state-minimum auto liability is really enough.
Sources: actuarial life-tables (SOA), Insurance Information Institute baseline rates, NAIC consumer guides, IRS HSA limits. Tools are decision-support; bind coverage through a licensed agent.
Common use cases
Real scenarios where the insurance calculators in this category earn their keep.
Term life amount (DIME)
Debt + Income (10× annual) + Mortgage + Education (kids' college). The DIME calculator sums these and subtracts existing coverage.
Term vs whole life
Buy term + invest the difference vs whole life. Run the 30-year compounded difference at a conservative return assumption to see which leaves more for heirs.
HDHP + HSA vs PPO
Annual cost = premium + expected out-of-pocket up to MOOP. Subtract HSA tax savings. The tool runs both plans for your expected utilisation tier (low / medium / high).
Umbrella liability size
Cover your net worth + 5 years of future income. Standard $1M-$5M policies cost $200-$600/year. The umbrella tool sizes based on your asset and income picture.
Vehicle insurance liability limits
State minimums (often 25/50/25) are dangerously low. The tool recommends 100/300/100 for moderate net worth, higher with an umbrella attached.
Key terms
Glossary for the formulas and conventions these tools use.
- DIME formula
- Term life need = Debt + Income replacement (10×) + Mortgage + Education for dependents. Subtract existing group and personal coverage.
- MOOP
- Maximum Out-Of-Pocket. The annual cap on what you pay in deductibles + copays + coinsurance before insurance pays 100%.
- HDHP
- High-Deductible Health Plan. Required for HSA eligibility. Higher deductibles in exchange for lower premiums + tax-advantaged HSA.
- Umbrella policy
- Excess liability that sits on top of your auto and home liability limits. Cheap per million of coverage; protects net worth from catastrophic suits.
- Term life
- Pure insurance with no cash value. Premium fixed for the term (10/20/30 years). Cheaper than whole life by 5-10× at comparable coverage.
- Whole life
- Permanent insurance with a cash-value component. Premium fixed for life. More expensive; rarely beats buy-term-and-invest mathematically for healthy buyers.
- Long-term disability (LTD)
- Income replacement (typically 60% of base salary) if you can't work due to illness or injury. Employer group is the cheapest source.
Frequently asked questions
Short answers to the most common insurance questions.