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Life Insurance Calculator

FREE

Calculate how much coverage you need using 3 professional methods (Need-Based, DIME, Human Life Value)

Insurance & Protection

Inputs

Enter your information

Income & Age

Your current gross annual income

Financial Obligations

Mortgage, student loans, car loans, credit cards

College funding, final expenses, emergency fund

Family Situation

Children and others relying on your income

Reduces coverage needed (enter 0 if no spouse income)

Current life insurance coverage amount

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

  • 1Enter your income and list all debts that would burden your family
  • 2Add future expenses like college tuition and final expenses
  • 3Input your current age and how many years your family would need income replacement
  • 4Compare three professional methods to see your ideal coverage amount

⚡Unlock Pro Features

  • ✓Upload your existing policy documents - AI extracts coverage amounts and terms
  • ✓Ask AI Copilot: "Should I get term or whole life insurance?" for personalized guidance
  • ✓Compare quotes from multiple insurers based on your health profile
  • ✓AI analyzes if your group policy through work is sufficient
  • ✓Factor in ladder strategies (decreasing coverage as kids grow up)
  • ✓Get alerts to review coverage when major life events occur (new baby, home purchase)
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