Term Insurance Calculator
Free term insurance calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Term Insurance Calculator below.
Estimate term life insurance coverage need. Enter income, debts, and years of coverage. Free term insurance calculator for USA and worldwide.
How to use Term Insurance Calculator
Enter income and debts
Input income to replace and debts to cover.
Enter term
Input years of coverage needed.
View coverage need
See estimated term 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 Term Insurance Calculator
What is term insurance?
Term insurance provides a death benefit if you die during the policy term (e.g. 10, 20, or 30 years). It does not build cash value. Premiums are typically lower than whole life. Term is well suited to cover income replacement until retirement, mortgage payoff, or until children are financially independent.
This term insurance calculator 2026 estimates how much term coverage you need using the same logic as a life insurance need calculator: income replacement, debts, final expenses, education, minus savings.
Choosing term length
Match the term to your need. If your main goal is to cover the mortgage (e.g. 25 years left), a 25-year term may be appropriate. If you want coverage until retirement at 65 and you are 35, a 30-year term might work. Use this calculator with different “years of income to replace” to see how coverage need changes.
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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.