Free Insurance Tools
Free insurance needs calculators — what real planners actually use, not what brokers selling you a policy will run. Compute your true life insurance need with the DIME method (Debt + Income + Mortgage + Education), figure out the right disability coverage to bridge an SSDI shortfall, and compare buying term insurance and investing the premium difference against the cash-value buildup of a whole-life policy across decades.
Every calculator runs entirely in your browser. Your income, debts, family situation, and existing coverage stay on your device. No leads sold, no broker referrals, no marketing follow-up. Just honest math grounded in standard financial-planning methodology so you can shop policies with a clear number in hand.
3 free tools available now
Life Insurance Needs Calculator (DIME Method)
Size your life insurance need with the DIME method — Debt + Income + Mortgage + Education
Disability Insurance Needs Calculator
Size your disability coverage need — income × replacement %, less SSDI, with short-term vs long-term gap analysis
Term vs Whole Life Insurance Comparison
Wealth comparison: buy term + invest the difference vs whole life cash value over 30 years
All free insurance tools
Every tool listed below is 100% free, requires no account, and runs entirely in your browser — your data never leaves your device.
🛡️ Free Life Insurance Needs Calculator (DIME Method)
Free life insurance needs calculator using the DIME method (Debt + Income + Mortgage + Education). Income component uses PV-of-annuity at your real return — not naive multiplication. Subtracts existing coverage to give the additional coverage you should buy. No signup, no broker referral. Free to embed.
♿ Free Disability Insurance Needs Calculator
Free disability insurance needs calculator. Income × replacement % minus SSDI estimate, with short-term and long-term coverage gap analysis. Estimates the annual premium for the LTD gap. No signup required.
⚖️ Free Term vs Whole Life Insurance Comparison
Free term vs whole life insurance comparison using the canonical "buy term and invest the difference" methodology. Year-by-year wealth comparison over 30 years with side-account vs cash-value modeling. No signup required.