Insurance Need Calculator
Free insurance need calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Insurance Need Calculator below.
Estimate how much insurance coverage you need — life, disability, or both. Enter income, debts, and dependents. Free insurance need calculator for USA and worldwide.
How to use Insurance Need Calculator
Enter income and expenses
Input income, debts, and expenses.
Enter dependents and goals
Input dependents and future needs.
View coverage need
See estimated insurance need.
Features
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
Why use this calculator
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
Supported browsers and devices
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
Frequently asked questions
Complete guide to Insurance Need Calculator
How to calculate insurance need
Add the funds your family would need if you were no longer there: income replacement for a set number of years, outstanding debts (mortgage, loans), final expenses (funeral, etc.), and education or other goals. Subtract existing savings and any current life insurance. The result is your additional insurance need. This insurance need calculator 2026 does that math for you.
When to review your need
- Major life events: marriage, children, new mortgage, or job change.
- Every few years: income and debts change; review coverage annually or every 2–3 years.
- When you pay off large debts: you may need less coverage.
- When you retire: income replacement need may drop; some keep a smaller policy for final expenses.
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Disclaimer
Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.