Insurance Calculators & Tools

Home Insurance Calculator

Estimate homeowners insurance premium based on home value, location, deductible, and coverage limits.

Landlord Insurance Calculator

Estimate landlord insurance costs for rental properties. Compare coverage options, see ROI impact, and identify critical vs optional coverages.

Life Insurance Calculator

Calculate how much life insurance you need using DIME, income replacement, and human life value methods.

Health Insurance Calculator (US)

Estimate ACA marketplace premium, subsidies, and out-of-pocket costs based on income and household size.

Car Insurance Estimator

Estimate auto insurance premium based on driver profile, vehicle, coverage limits, deductibles, and discounts.

Pet Insurance Calculator

Estimate pet insurance premiums and reimbursements for dogs and cats. Compare accident-only vs comprehensive plans.

UK Class 4 National Insurance

Calculate Class 4 NI contributions for UK self-employed at current HMRC rates and thresholds.

Vietnam Social Insurance Checker

Check social insurance contribution changes in Vietnam by year and salary level. Latest rates.

UAE Job Loss Insurance Planner

Plan UAE Involuntary Loss of Employment (ILOE) insurance contributions and payout estimates.

FSA Dependent Care Calculator

Maximize Dependent Care FSA tax savings vs Child Tax Credit. Compare scenarios for up to two kids.

HSA Savings Calculator

Project Health Savings Account growth with triple tax advantage. Compare HSA-eligible HDHP scenarios.

Term vs Whole Life Insurance Calculator

Compare term life vs whole life insurance costs, cash value, and total premiums based on your age and coverage needs.

Disability Insurance Needs Calculator

Calculate how much disability insurance you need based on income, employer coverage, expenses, and age. Includes premium estimates.

Umbrella Insurance Coverage Calculator

Calculate how much umbrella insurance you need based on net worth, income, and risk factors like pools, dogs, and rental properties.

Health Insurance Deductible Comparison

Compare health insurance plans by deductible, premium, copay, and out-of-pocket max. Find which plan saves you money.

Auto Insurance Coverage Needs Calculator

Determine the right auto insurance coverage levels based on your assets, vehicle, and driving profile. Compare liability limits.

Motorcycle Insurance Calculator

Estimate motorcycle insurance cost by rider profile, bike type, engine size, coverage level, and discounts. Based on NAIC and III industry averages.

Boat Insurance Calculator

Estimate boat and watercraft insurance premiums by vessel type, coverage level, and navigation area. See hull, liability, towing, and discount breakdown.

Condo Insurance Calculator

Estimate HO-6 condo insurance premium by unit value, HOA master policy type, personal property, and liability. See coverage gaps and compare HOA vs HO-6 coverage.

Renters Insurance Calculator

Estimate renters insurance coverage and monthly premium based on belongings value, liability needs, and deductible choice.

Travel Insurance Calculator

Estimate travel insurance costs and compare basic, standard, comprehensive, and cancel-for-any-reason coverage levels. See medical, evacuation, and baggage limits.

Home Warranty Cost Calculator

Calculate whether a home warranty plan saves money vs paying for repairs yourself. Compare premiums, service fees, and expected repair costs.

Life Insurance Replacement Calculator

Evaluate whether replacing your current life insurance policy saves money. Compare premiums, death benefit, cash value, and surrender charges.

Long-Term Care Insurance Calculator

Estimate LTC insurance needs and costs. Calculate daily benefit, coverage period, and inflation protection options for 2026.

Flood Insurance Cost Calculator

Estimate annual NFIP flood insurance premium under FEMA Risk Rating 2.0. Compare NFIP vs private flood insurance by zone, coverage, and elevation.

Business Insurance Cost Calculator

Estimate annual premiums for General Liability, E&O, BOP, Workers' Comp, Cyber, and Auto coverage. Based on 2026 NAIC and SBA rate data.

Cyber Insurance Cost Calculator

Estimate business cyber liability insurance premium based on revenue, industry, data volume, and security controls. Compare coverage limits and deductible impact.

Key Person Insurance Calculator

Calculate how much key person (key man) life insurance your business needs. Uses revenue replacement, cost-based, and compensation multiple methods.

Workers Comp Cost Calculator

Estimate workers' compensation insurance premium based on payroll, industry class code, and experience modification rate (EMR). Free and private.

Medicare Savings Program Calculator 2026

Check eligibility for QMB, SLMB, QI, and QDWI Medicare Savings Programs in 2026. Estimate monthly Part A/B premium and cost-sharing savings.

GAP Insurance Calculator

Calculate GAP insurance need. See your loan-to-value gap, exact at-risk amount if your car is totaled, and whether dealer or insurer GAP is cheaper.

E&O Insurance Cost Calculator

Estimate professional liability (E&O) insurance premium by profession, revenue, employees, and claims history.

Term Life Insurance Premium Estimator

Estimate term life insurance premiums by age, coverage amount, health class, and term length. Compare 10, 20, and 30-year terms.

Term Life Needs Calculator (DIME + Income Method)

Calculate exactly how much term life insurance you need using the DIME method and income-replacement method. 2026 actuarial guidance with source citations.

California Term Life Needs Calculator

Calculate term life coverage with California 2026 income, mortgage, and insurance regulation data. 30-day free-look for over-60 applicants.

Texas Term Life Needs Calculator

Calculate term life coverage with Texas 2026 median income, average mortgage balance, and state DOI regulation context. No state estate tax.

Florida Term Life Needs Calculator

Calculate term life coverage with Florida 2026 income, mortgage averages, and 14-day free-look period rules. No state estate tax.

New York Term Life Needs Calculator

Calculate term life coverage with New York 2026 data including the $7.16M estate tax cliff and DFS NY regulations.

Illinois Term Life Needs Calculator

Calculate term life coverage with Illinois 2026 median income, mortgage averages, and the $4M graduated state estate tax threshold.

Critical Illness Insurance Calculator

Estimate critical illness insurance coverage needed and monthly premium. Cancer, heart attack, stroke payouts. ROI vs medical FSA + emergency fund.

Dental Insurance Cost Calculator

Compare dental insurance plans vs paying out of pocket. Estimate annual premium, deductible, and out-of-pocket for cleanings, fillings, crowns, and orthodontics.

SR-22 Insurance Cost Calculator

Estimate SR-22 high-risk auto insurance cost by state, violation type, and length of filing. Compare carriers and minimum-liability premium impact.

Whole Life Cash Value Calculator

Project whole life insurance cash value growth over time. See guaranteed vs non-guaranteed values, surrender charges, and loan availability.

Life Settlement Calculator

Estimate the value of selling your life insurance policy through a life settlement. Compare settlement offers vs cash surrender value, lapsing, and 1035 exchange options.

Finance Calculators

Investments, retirement, budgeting, debt, savings, and 50+ personal finance tools.

Mortgage Calculators

Affordability, refinance, biweekly payoff, ARM vs fixed, PMI, HELOC, and recast tools.

Tax Calculators

Federal, state, payroll, capital gains, self-employment, and quarterly tax tools.

Health Tools

BMI, body fat, calorie, longevity, and 100+ health and wellness calculators.

ACA Out-of-Pocket Maximum Calculator 2026

Calculate your 2026 ACA out-of-pocket maximum. Federal limits: $9,200 individual, $18,400 family. See total annual exposure with deductible + coinsurance + copays under marketplace plans.

ACA Subsidy Cliff Calculator 2026

Calculate ACA premium tax credit (APTC) and subsidy cliff for 2026. Free Marketplace subsidy calculator for 400% FPL phase-out and ARPA expansion sunset analysis.

Auto Insurance Deductible Comparison Calculator

Compare $250, $500, $1000, $2000 auto insurance deductibles. See break-even years and which deductible saves you more. Free, private, no sign-up.

Buy Term and Invest the Difference vs Whole Life

Compare buy-term-and-invest-the-difference (BTID) against whole life insurance over 30 years. See net wealth, cash value, and break-even with after-tax return assumptions. Free and private.

Cheap Car Insurance Estimator

Estimate cheap car insurance rates by state, age, credit tier, and driving record. See typical 2026 minimum vs full coverage costs and savings tactics.

COBRA Premium Cost Calculator 2026

Calculate the full COBRA premium you will pay after job loss — employer subsidy plus 2% admin fee, monthly and 18-month total. Free and private.

Flood Insurance Zone Rate Calculator

Estimate NFIP flood insurance premium under Risk Rating 2.0 by FEMA flood zone, replacement cost, foundation, and elevation. Free, private, 2026 rates.

Group Life Insurance Calculator

Calculate employer-provided group life insurance cover, the protection gap vs your real need, and how much supplemental term life to buy. Free and private.

HDHP vs PPO Health Plan Comparison Calculator

Compare HDHP+HSA vs PPO health insurance total annual cost. Free 2026 calculator with employer HSA contribution, premium, deductible, and tax savings analysis.

Homeowners Insurance Cost Calculator

Estimate annual homeowners insurance cost based on home value, state, deductible, and risk factors. 2026 NAIC averages and savings tactics. Free, private.

ICHRA vs QSEHRA Comparison Calculator 2026

Compare ICHRA (Individual Coverage HRA) vs QSEHRA for small business health benefits. See 2026 contribution limits ($6,350 / $12,800 QSEHRA), class flexibility, and total annual cost.

Income Protection Insurance Calculator

Calculate income protection insurance cover needed: monthly benefit, waiting period, benefit period, and replacement ratio. Free and private — no signup.

IUL vs 401(k) Comparison Calculator

Compare Indexed Universal Life insurance vs traditional 401(k) for retirement. See net returns after fees, caps, and taxes. Free, private, evidence-based.

Key Man (Key Person) Insurance Calculator

Calculate how much key person insurance your business needs. Models replacement cost, lost profit, recruiting cost, and revenue dependency. Free, instant, private.

Life Insurance Cash Value Calculator

Calculate cash value growth, IRR, and break-even on whole life insurance. Compare cash value vs term + invest. See guaranteed and projected cash value. Free.

Life Insurance DIME Method Calculator

DIME method life insurance needs calculator: Debt + Income + Mortgage + Education. See exact coverage you need. Free, private, no sign-up.

Long-Term Care Insurance Cost Calculator

Estimate long-term care insurance premiums by age, daily benefit, and benefit period. Compare traditional LTCi against hybrid life/LTC and self-insuring. Free and private.

Long-Term Care Partnership Program Calculator

Calculate how much in personal assets a Long-Term Care Partnership policy protects from Medicaid spend-down. Dollar-for-dollar asset disregard, total LTC cost, and remaining estate exposure.

Long-Term Disability Insurance Calculator

Calculate how much long-term disability (LTD) insurance you need based on income, expenses, savings, and benefit period. Compare own-occupation vs any-occupation coverage. Free.

Medicaid Spend-Down Calculator

Calculate Medicaid spend-down amount and eligibility for long-term care. Free 2026 calculator for nursing home, home care, and community Medicaid asset/income limits.

Medicare Part D Donut Hole Calculator 2026

Calculate your 2026 Medicare Part D drug costs across the deductible, initial coverage, and post-2025 $2,000 out-of-pocket cap. See exactly when you hit catastrophic protection. Free and private.

Medicare Part D Late Enrollment Penalty Calculator 2026

Estimate your Medicare Part D late enrollment penalty for 2026. Calculate the lifetime monthly surcharge by months you went without creditable drug coverage. Free and private.

Medicare Supplement Plan Comparison Calculator

Compare Medicare Supplement (Medigap) plans G, N, F, and HDG side-by-side. Calculate annual cost, total out-of-pocket, and 10-year lifetime cost. Free and private.

Medigap Plan G Cost Calculator

Estimate Medigap Plan G premiums by age, gender, state, and tobacco use. Compare attained-age vs issue-age vs community-rated pricing. Based on 2026 carrier data.

Medigap vs Medicare Advantage Calculator 2026

Compare Medigap (Plan G/N) against Medicare Advantage for 2026. See total annual cost, max out-of-pocket, premium projections, and which fits your health profile. Free and private.

Mini-COBRA State Continuation Calculator

Calculate Mini-COBRA / state continuation premium costs for small employers (under 20 employees). State-by-state duration, premium loading. Free.

Pet Insurance Cost Calculator

Estimate pet insurance monthly premium by species, breed, age, ZIP region, and coverage level. Compare accident-only vs accident+illness vs comprehensive plans.

ACA Silver Loading Calculator

Calculate ACA Silver Loading impact — when Bronze plans + subsidies beat Silver plans for non-CSR enrollees. 2026 benchmark premium analysis.

SR-22 Cost by State Calculator

Estimate SR-22 insurance cost by state, filing fee, and how many years you must keep it. Includes 2026 state-by-state DUI/suspension surcharges. Free tool.

Stop-Loss Insurance Cost Calculator

Calculate specific and aggregate stop-loss insurance costs for self-funded employer health plans. Lasering, attachment points, employee count. Free.

Tesla Insurance Cost Calculator

Estimate Tesla insurance cost by model, ZIP code, and driving profile. Compare Tesla Insurance vs traditional carriers. Free, private, instant estimate.

Vision Insurance Cost Calculator

Compare vision insurance vs out-of-pocket cost for exams, glasses, contacts, LASIK. Free 2026 vision plan calculator showing breakeven and net savings.

Car Insurance Rates by State 2026 Calculator

Estimate free 2026 car insurance rates by state, age, and coverage tier. Private, no sign-up — uses NAIC and Insurance Information Institute averages.

Teen Driver Insurance Cost 2026 Calculator

Estimate free 2026 added cost of adding a teen driver to your car insurance. Private, no sign-up — based on IIHS crash data and III premium averages.

SR22 Insurance Cost by State 2026 Calculator

Estimate free 2026 SR22 insurance cost by state, reason, and filing duration. Private, no sign-up — filing fee + premium surcharge + total annual cost.

Telematics Insurance Savings 2026 Calculator

Estimate free 2026 usage-based (telematics) car insurance savings vs traditional. Private, no sign-up — by mileage, current premium, and safe-driver score.

Smoker Life Insurance Premium 2026 Calculator

Compare free 2026 smoker vs nonsmoker life insurance premiums by age, gender, coverage, and term. Private, no sign-up — uses 2024 SOA mortality data.

Life Insurance Cost by Age 2026 Calculator

Estimate free 2026 life insurance cost by age bracket, gender, health class, coverage, and term. Private, no sign-up — table for ages 30, 40, 50, 60.

Classic Car Agreed Value Insurance 2026 Calculator

Estimate free 2026 classic car agreed-value insurance premium by make, year, value, mileage, and garage type. Private, no sign-up — Hagerty + Grundy benchmarks.

Multi-Car Discount Insurance 2026 Calculator

Estimate free 2026 multi-vehicle bundled car insurance discount and total savings. Private, no sign-up — based on III + The Zebra carrier benchmarks.

Workers Comp Class Code Rate by State 2026 Calculator

Calculate free 2026 workers comp premium by NCCI class code, state, payroll, and experience mod. Private, no sign-up needed.

EV Insurance Cost Calculator 2026

Estimate free 2026 electric vehicle insurance cost by Tesla vs non-Tesla, state, and age. Private — runs in your browser, no sign-up needed.

Rideshare Insurance Gap Calculator 2026

Calculate free Uber and Lyft driver insurance gap coverage cost for periods 1, 2, and 3 in 2026. Private, runs in your browser, no sign-up needed.

Personal Cyber Insurance Cost Calculator 2026

Estimate free 2026 personal cyber insurance and identity theft policy cost by coverage limit, devices, and ID theft history. Private, no sign-up needed.

Freelancer E&O Cost Calculator 2026

Estimate free 2026 freelancer professional liability (E&O) cost by profession, revenue, state, and coverage limit. Private, no sign-up needed.