Insurance calculators
6 free tools
How much life insurance do you actually need? What will a hospital bill cost you after the deductible kicks in? These tools give you fast, no-signup answers. Run the DIME method for coverage, size an income-replacement policy, or line up two health plans to see which one wins at your expected spend. They're planning estimates, not insurance advice.
Work out your share of a medical bill after the deductible and up to the OOP max.
Estimate your total yearly health cost from premiums, deductible, and coinsurance.
Estimate the economic value of your future earnings between now and retirement.
Find the payout that replaces a share of your income from safe investment returns.
Compare two health plans and find which is cheaper at your expected medical spend.
Estimate the life insurance coverage your family needs using the DIME method.
Frequently asked questions
Are these numbers exact?
No. They're back-of-the-envelope estimates meant to get you in the right ballpark. Real quotes depend on your age, health, the insurer, and the fine print of a specific policy, so use these to plan and then get actual quotes.
Do the health tools reflect my real plan?
Only as well as the numbers you feed them. Punch in your plan's actual premium, deductible, coinsurance percentage, and out-of-pocket maximum from your Summary of Benefits and the estimate will track your plan closely.
Which life insurance tool should I use?
Start with the DIME calculator — it adds up debts, income, mortgage, and education, which is the most common way to size a policy. Human life value and income replacement are alternate lenses if you want to cross-check that number.