How do I calculate insurance need?

Consider income replacement, debts, final expenses, and education or other goals. This calculator uses your inputs to estimate total coverage need.

What about disability insurance?

Disability insurance replaces income if you cannot work. Need often equals a percentage of income (e.g. 60–70%) until retirement age. This calculator can include disability need.

Should I include my spouse?

Yes — include both incomes and dependents. This calculator can estimate need for one or both earners.

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.

Cómo usar 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.

Características

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.

Por qué usar esta calculadora

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Navegadores y dispositivos compatibles

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Preguntas frecuentes

Guía completa de 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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Aviso legal

Nuestras calculadoras financieras son solo informativas y educativas. Los resultados son estimaciones según los datos que introduces y fórmulas estándar. No son asesoramiento financiero, fiscal ni legal. No guardamos ni compartimos los números que introduces.