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