Insurance Calculators

Calculate how much liability coverage you need based on your assets and risk profile

Determine if a higher deductible is worth the premium savings

Calculate whether full coverage makes financial sense for your vehicle

Determine if you need gap insurance based on loan balance vs car value

Calculate your home replacement cost (not market value) for proper coverage

Find the optimal deductible for your home insurance policy

Calculate the value of your home contents room by room

Determine how much renters insurance coverage you need

Evaluate if flood insurance is worth it based on your risk zone

Compare up to 3 health plans across best, expected, and worst-case scenarios. See total annual cost including premium, deductible, copays, and coinsurance.

Compare High-Deductible Health Plans with Traditional plans. Includes HSA tax savings to show true break-even point.

Calculate your maximum financial exposure from healthcare costs. See if your emergency fund can handle worst-case medical expenses.

Calculate how much life insurance you need using the DIME method (Debts, Income, Mortgage, Education). Get a personalized coverage recommendation based on your financial obligations.

Determine the optimal term length for your life insurance based on when your dependents become independent, your mortgage timeline, and retirement plans.

Compare the total cost of term life insurance (buy term and invest the difference) versus permanent life insurance with cash value accumulation.

Calculate mortgage protection coverage and compare level term vs decreasing term options. See how your coverage aligns with your declining mortgage balance.

Estimate professional liability (E&O) insurance coverage based on your industry, annual revenue, and contract size. Get recommended coverage tiers with industry risk assessment.

Calculate business interruption coverage using the gross profit methodology. Input your revenue, fixed costs, and recovery period to determine coverage needs.