About
Free insurance math, without the data grab
InsuranceCalculator.io is a small independent project. We build clean, well-documented calculators that help people answer one question for each type of policy: "What does this insurance actually cost me, and how can I optimize it?"
How the site works
Every calculator is a single static web page. There is no account, no login, and no server that receives your inputs. When you type a number, the calculation runs in JavaScript on your own device. Close the tab and the numbers are gone.
Each calculator page also explains its formula in plain language, lists the factors that move the result, and gives concrete tips for lowering what you pay.
How we make money
The site is free. It is supported two ways:
- Advertising displayed around the calculators.
- Affiliate commissions — if you choose to request a quote or buy a policy through a partner link, the partner may pay us a referral fee. This never changes your price and never affects the calculator output.
We do not sell your information, because we never collect it in the first place.
How to use the estimates
These tools are for education and planning. They give you a defensible starting number so you can shop with confidence. They are not quotes, not offers of coverage, and not a substitute for advice from a licensed agent, a fee-only financial planner, or a tax professional. Actual premiums and coverage depend on underwriting, your state, and the insurer.
Accuracy and feedback
We aim to keep the models and rate-of-thumb figures reasonable and current, but insurance pricing changes constantly and varies by market. If you spot an error or have a suggestion, please get in touch.