Insurance Planning Calculators
3 free calculators — all 50 states
Calculate how much life and disability insurance you actually need using the DIME method and industry income-replacement guidelines.
All Calculators
Disability Insurance Needs Calculator
Calculate your disability insurance coverage gap using the industry-standard 60-70% income replacement guideline, plus the emergency savings you need to bridge the elimination period.
Life Insurance Needs Calculator
Calculate how much life insurance you need using the DIME method (Debt, Income, Mortgage, Education) plus final expenses, minus your existing coverage and savings.
Long-Term Care Insurance Cost Calculator
Estimate your long-term care insurance premium by age, gender, and inflation protection option using real 2025-26 industry pricing data, plus the IRS tax deduction it may qualify for.
About Insurance Planning Calculators
Calculate how much life and disability insurance you actually need using the DIME method and industry income-replacement guidelines. All 3 calculators are free to use, require no sign-up, and provide instant, formula-based results — see each calculator's own methodology section below for exactly how its figures are calculated and sourced.
Each calculator includes a detailed methodology section explaining the formulas used, data sources cited with verification dates, and frequently asked questions to help you understand the results. Results are shareable and print-friendly.