Insurance tools

Free calculators for protecting your family without overpaying — how much life, disability, and coverage you actually need, and when to self-insure.

21 resources

Calculator ACA Health Insurance Subsidy Optimizer Estimate your ACA marketplace subsidy and see how your income level affects your premium tax credit — so you can pick the plan that minimizes your true annual cost. Open → Calculator Auto Coverage Right-Size Calculator Determine whether collision and comprehensive coverage on your vehicle is still financially rational, or whether you are over-insuring a depreciating asset. Open → Calculator COBRA vs Marketplace Cost Calculator Compare the true total cost of COBRA continuation versus an ACA marketplace plan during a job gap, accounting for subsidies and expected medical spending. Open → Calculator Deductible vs Premium Breakeven Calculator Find the exact number of claims per year at which a higher deductible pays off versus a lower deductible with a higher premium. Open → Calculator DIME Life Insurance Need Calculator Calculate your true life insurance need using the DIME method: Debt, Income, Mortgage, and Education — not a generic income multiple. Open → Calculator Disability Income Gap Calculator Map all your disability income layers — sick days, short-term, long-term, and SSDI — to find the monthly gap your savings would need to cover. Open → Calculator Emergency Fund as Insurance Calculator Model the net benefit of a fully funded emergency fund versus paying premiums for low-value coverages — accounting for the opportunity cost of idle cash. Open → Calculator HDHP vs PPO True Total Cost Calculator Compare the real annual cost of an HDHP with HSA versus a PPO — premiums plus your expected deductible and coinsurance based on how much healthcare you actually use. Open → Calculator Home Replacement Cost Gap Calculator Find the gap between your current dwelling coverage and the true rebuild cost of your home — the figure your insurer will actually use after a total loss. Open → Calculator Income Protection Ratio Calculator Map every layer of your disability protection — sick days, short-term disability, long-term disability, and SSDI — and find the coverage gap and weeks of unprotected income. Open → Calculator Insurance Expected Value Audit Run an honest expected-value test on any coverage: is the premium rational given the probability of a claim and the payout, or are you overpaying for peace of mind? Open → Calculator Life Insurance Need Glide Path Calculator Model how your life insurance need declines as your assets grow, your mortgage shrinks, and your children become independent — and find the year you can rationally drop coverage. Open → Calculator Long-Term Care Cost Projection Calculator Project what nursing home or assisted living will cost in future dollars at your expected need age, and see how large the out-of-pocket gap would be. Open → Calculator Self-Insure Breakeven Calculator Find the point at which you are wealthy enough to rationally drop a coverage and bank the premiums instead of paying an insurer. Open → Calculator Term Life Insurance Ladder Calculator Design a laddered life insurance strategy using multiple shorter-term policies to match your declining coverage need — and see how much less you pay versus a single large policy. Open → Calculator Term vs Whole Life Wealth Gap Calculator See the exact dollar gap between buying term life and investing the difference versus holding a whole life policy over your lifetime. Open → Calculator Umbrella Coverage Need Calculator Audit your true liability exposure by measuring how much of your net worth exceeds your base auto and home policy limits — and whether umbrella coverage is worth the cost. Open → Calculator Unnecessary Insurance Audit Calculate how much you waste annually on low-value add-on insurances — and what that money would be worth invested over 20 years. Open → Guide HDHP vs PPO: Which Health Plan Actually Costs You Less? A high-deductible plan with an HSA can beat a PPO even in a heavy-use year. Here is the true-total-cost math, a worked example, and the breakeven that decides it. Open → Guide How Much Life Insurance Do I Actually Need? (Skip the Generic 10x Rule) The 10x-income rule for life insurance is a lazy shortcut. Here is the DIME method to calculate the coverage your family truly needs, with a worked example. Open → Guide Term vs Whole Life Insurance: The Buy-Term-and-Invest-the-Difference Truth A worked-numbers breakdown of term versus whole life insurance, and why buying term and investing the difference usually wins by six figures. Open →