Free Insurance Calculators
Make smarter insurance decisions with our free calculators. Estimate how much life insurance you need, what long-term care costs in your state, and what your structured settlement is worth today.
Life & Protection Calculators
Determine exactly how much coverage your family needs to replace your income, pay off debts, and protect long-term financial security.
Term Life Insurance Calculator
Calculate your exact coverage gap using the DIME method — debts, income, mortgage, and education — minus what you already have.
Open Calculator Long-Term CareLong-Term Care Insurance Calculator
Estimate nursing home, assisted living, and in-home care costs in your state and model how LTC insurance reduces the burden on your estate.
Open Calculator Halal InsuranceLife Cover / Takaful Calculator
Model Sharia-compliant takaful contributions and compare coverage to conventional term life — side by side, in one tool.
Open Calculator DisabilitySSDI Benefits Calculator
Estimate your monthly Social Security Disability Insurance benefit based on your lifetime earnings record and work-credit history.
Open CalculatorSettlement & Income Calculators
Understand the real value of future payment streams — whether from a legal settlement, annuity contract, or government disability benefit.
Structured Settlement Calculator
Calculate the present value of your future structured settlement payments and see what a lump-sum cash-out offer is really worth.
Open Calculator AnnuityAnnuity Payout Calculator
Model monthly income from a fixed, variable, or indexed annuity. See how payout period, interest rate, and contribution size affect your monthly check.
Open Calculator Disability IncomeSocial Security Disability (SSDI) Calculator
Confirm your work-credit eligibility, estimate your Primary Insurance Amount (PIA), and project your benefit at different onset ages.
Open CalculatorTax & Estate Planning
Calculate the tax cost of selling assets, making large gifts, or inheriting property — so your estate plan accounts for every dollar.
Capital Gains Tax Calculator
Estimate your federal and state capital gains tax on the sale of stocks, real estate, or a business — short-term and long-term rates applied correctly.
Open Calculator Estate PlanningGift Tax Calculator
Calculate how much of your lifetime gift-tax exemption ($13.61 million in 2025) your transfers consume and when Form 709 filing is required.
Open Calculator Inheritance TaxStep-Up in Basis Calculator
See how much capital gains tax an inherited asset escapes through the step-up in cost basis — and compare sell-now vs. inherit strategies.
Open CalculatorWhy Use These Insurance Calculators?
Most people buy life insurance based on a round number their agent suggests. Most families underestimate long-term care costs by 50% or more. And most structured settlement recipients have no idea whether their lump-sum offer is fair. These calculators exist to close that information gap.
Life insurance coverage needs vary enormously depending on your mortgage balance, your income replacement window, how many children you have, and whether a spouse earns independently. A family with a $600,000 mortgage and three young children has radically different needs than a dual-income couple with no dependents — yet both are often quoted the same "10x income" shortcut.
Long-term care costs vary by as much as $60,000 per year depending on the state and care setting. Our LTC calculator draws on state-level cost data so you model your real exposure, not a national average that may not apply to you. Understanding your numbers before you meet with an agent or financial planner puts you in a position of strength — you can evaluate a quote rather than simply accept it.
Private & No Sign-Up Required
All calculations run entirely in your browser. Nothing is sent to a server. No account, no email, no tracking.
Methodology Explained
Every calculator shows its formula and assumptions so you understand exactly how your result was derived — not just a black-box number.
State-Level Data
Long-term care and tax calculators incorporate state-level cost data and tax rates to give you a number that reflects your actual geography.
Updated for 2025
IRS limits, Social Security wage bases, and nursing home cost benchmarks are refreshed annually so the numbers you get are current.