Estimate life insurance needs and premiums, disability coverage gaps, umbrella liability, COBRA premiums, title insurance costs, PMI removal eligibility, refinance break-even, HSA growth, auto insurance, Social Security, and annuity income — no signup, no email required.
DIME method: estimate how much life insurance coverage your family actually needs.
Find your income-replacement gap between employer benefits and a target payout.
How much extra liability protection you need based on net worth and risk factors.
Estimate your true monthly premium after a job loss, including the 2% admin fee.
Estimate owner's and lender's title insurance cost at closing.
Check your loan-to-value ratio and find out when PMI comes off your mortgage.
Find out how many months it takes for refinance savings to cover closing costs.
Project your HSA balance growth using 2026 IRS contribution limits.
A directional estimate of your premium relative to the national average.
Estimate your monthly benefit using the official PIA bend-point formula.
Simulate the monthly premium of term life across ages, term lengths, and health classes.
Estimate the monthly retirement income a lump sum could buy from an immediate or deferred annuity.
Most insurance calculators online are lead-generation forms in disguise — you enter your details and get bombarded with agent calls instead of a number. Every calculator on this site runs entirely in your browser: nothing you type is sent anywhere. You get a transparent, explained estimate based on the same rules-of-thumb insurance professionals actually use (the DIME method, standard income-replacement ratios, federal PMI termination law, and typical title insurance rate structures).