Insurance
Free online insurance — fast, private, and easy to use. No sign-up required.
Life Insurance Calculator
Calculate how much life insurance coverage you need using the DIME method. Accounts for income, mortgage, debts, and children's education.
Child Support Calculator
Estimate monthly child support payments using the Income Shares model. Enter parent incomes, custody split, and children count. Free child support estimator.
Term Life (DIME) Calculator
Calculate how much life insurance you need using the DIME method. Enter your debt, income, mortgage, and education costs to find the right coverage amount.
Personal Injury Settlement Estimator
Estimate your personal injury settlement value. Enter medical bills, lost wages, pain and suffering multiplier, and liability percentage for a settlement range.
Disability / Income Protection Calculator
Calculate how much disability insurance coverage you need. Enter monthly income, expenses, and existing coverage to find your income protection gap.
Health Insurance Cost Estimator
Estimate your health insurance monthly premium and annual out-of-pocket costs. Compare plan tiers (Bronze/Silver/Gold/Platinum) to find the best value
Home / Renters Coverage Calculator
Estimate how much home or renters insurance coverage you need. Calculate dwelling replacement cost, personal property value, and liability coverage
Workers' Comp Estimator
Estimate workers' compensation benefits for a workplace injury. Enter your average weekly wage and injury type to calculate temporary disability payments
Alimony / Spousal Support Estimator
Estimate alimony or spousal support payments. Enter both spouses' incomes, marriage length, and state guidelines to get a spousal support payment range.
Popular Insurance tools
- Life Insurance CalculatorUse the DIME formula (Debt + Income + Mortgage + Education) to estimate your life insurance needs. Also shows the 10× income rule and Human Life Value.
- Term Life (DIME) CalculatorFind your ideal life insurance coverage amount using the proven DIME formula: Debt + Income (×years) + Mortgage + Education. Simple, fast, and surprisingly accurate.
- Health Insurance Cost EstimatorChoose the right health insurance plan. Enter your age, location tier, income, and health usage to compare total costs (premium + expected out-of-pocket) across all ACA plan tiers.
- Disability / Income Protection CalculatorFind out if you have enough disability coverage. Enter your monthly take-home pay and essential expenses to see your income protection need and potential coverage gap.
- Home / Renters Coverage CalculatorMake sure you're not under-insured. Calculate dwelling replacement cost (not market value), personal property replacement value, and appropriate liability limits for your home or rental.
- Child Support CalculatorEstimate child support payments based on both parents' incomes, number of children, and custody arrangement. Uses the Income Shares model used by most US states.
Often used together
- Net Worth CalculatorList your assets and debts to instantly see your total net worth with a visual breakdown — all calculated privately in your browser.
- Salary CalculatorEnter any salary in any format and instantly see all pay period equivalents. Includes a simplified take-home estimate after federal taxes.
- Age CalculatorEnter your date of birth to find your exact age in years, months, days, and hours. See your next birthday countdown.
- Income Tax EstimatorCalculate your 2024 federal income tax with standard deductions applied. See how much tax you owe at each bracket rate and your effective rate.
About Insurance
Working out how much protection you actually need is one of the harder parts of managing money, and the jargon does not help. ToolsHub’s insurance calculators give you quick, private estimates so you can walk into a conversation with an agent or attorney already understanding the numbers. They are planning aids, not quotes or advice, but they take much of the guesswork out of a first pass.
For protecting income and family, the Life Insurance Calculator and the Term Life (DIME) Calculator help you size a policy around debt, income, mortgage, and education costs, while the Disability / Income Protection Calculator estimates the coverage you would want if you could not work. The Health Insurance Cost Estimator and the Home / Renters Coverage Calculator help you budget premiums and the amount of cover a household might need.
Several tools deal with situations that are as legal as they are financial. The Child Support Calculator and Alimony / Spousal Support Estimator give ballpark figures, the Personal Injury Settlement Estimator outlines a possible range, and the Workers' Comp Estimator helps you think through a claim. Because these depend heavily on your state and the specifics of your case, treat the results as starting points for a fuller conversation.
This is money that matters, so the calculators are deliberately conservative and never a substitute for professional guidance—always confirm important decisions with a qualified attorney or financial advisor. Everything runs in your browser with nothing uploaded and no account required, so you can model different scenarios privately as many times as you need before you commit.