Know what your insurance really costs — and how to pay less
Nine free calculators that estimate how much coverage you need and what the premium should be, for life, car, home, health, business, disability and liability insurance.
The toolkit
9 insurance calculators
Each one answers a single question: "What does this insurance actually cost me, and how can I optimize it?"
Life Insurance Calculator
Find your coverage gap using the DIME method: debt, income, mortgage and education.
Open calculator →Car Insurance Calculator
Estimate your annual and monthly auto premium and see which factors move the price.
Open calculator →Home Insurance Calculator
Size your dwelling, personal property and liability coverage from rebuild cost.
Open calculator →Health Insurance Calculator
Compare true annual cost: premiums plus expected out-of-pocket spending.
Open calculator →Business Insurance Calculator
Ballpark general liability, property and BOP premiums for a small business.
Open calculator →Disability Insurance Calculator
See the monthly benefit you should carry and the income gap if you can't work.
Open calculator →Liability Insurance Calculator
Work out how much umbrella coverage protects your net worth and future income.
Open calculator →Insurance Needs Calculator
One snapshot of life, disability, emergency fund and liability coverage gaps.
Open calculator →Insurance Premium Calculator
Turn a coverage amount and rate into a premium per month, quarter or year.
Open calculator →Why it's different
Built for privacy and speed
Every calculator on this site is a single static page. When you type a number, the math happens in JavaScript on your device. Nothing is uploaded, stored, or shared — there is no account, no login, and no tracking of your inputs.
- No backend. Close the tab and your numbers are gone.
- No signup wall. Results appear instantly as you type.
- Transparent formulas. Each page explains exactly how the estimate is calculated.
How to use the results
Estimates, not quotes
These tools give you a well-reasoned starting point so you can walk into a conversation with an agent or a comparison site already knowing the right ballpark. Actual premiums depend on underwriting, your state, your history and the insurer.
Frequently asked questions
Are these calculators really free?
Yes. Every calculator is free to use with no signup. The site is supported by advertising and by affiliate commissions when you choose to get a quote through a partner link.
Do you store the numbers I enter?
No. There is no server that receives your inputs. All calculations run in your browser with JavaScript, and nothing is saved after you leave the page.
Will the estimate match my actual premium?
Not exactly. Insurers use proprietary underwriting models, credit-based insurance scores in most states, and local claim data. Treat the output as a realistic range to sanity-check real quotes.
Which calculator should I start with?
If you want a full picture, start with the Insurance Needs Calculator. If you have one specific policy in mind, go straight to that calculator.