Insurance calculators
Free, no sign-up, and nothing is sent anywhere. Each one does arithmetic on numbers you supply — none of them pretend to know what a policy would cost you.
How much life cover?
Life insurance needs
Income replacement, debts, and goals, minus what you already hold.
Open calculatorHow many years?
Term length
Finds your longest obligation and the standard term that outlasts it.
Open calculatorJust clear my debts
Debt payoff cover
Totals the obligations that wouldn't disappear, without income replacement.
Open calculatorWhich quote is better value?
Life quote comparison
Normalises two quotes to cost per $1,000 of coverage per year.
Open calculatorHow short am I?
Mortgage protection gap
What your household owes, minus what's already covered.
Open calculatorAre my limits enough?
Auto liability exposure
Compares your liability limits against the assets they protect.
Open calculatorShould I raise my deductible?
Auto deductible trade-off
How many claim-free years before a higher deductible pays off.
Open calculatorIs the cheaper quote cheaper?
Auto quote comparison
Shows whether a cheaper quote is a saving or just less coverage.
Open calculatorWhat do fees cost me?
Monthly vs paid in full
What installment fees actually add across a year.
Open calculatorWhat would I pay?
Pet bill split
How a plan's deductible, rate, and limit divide a real vet bill.
Open calculatorWhich plan wins?
Pet plan A vs B
Runs two plan configurations against the same bill.
Open calculatorWhat's a year cost?
Pet annual cost
Premiums, your share, and uncovered routine care across a year.
Open calculatorWhy none of these estimate a premium
Because we’d have to make the number up. What a policy costs depends on your age, health, location, record, and the individual insurer’s rating — a handful of form fields can’t produce that honestly. Calculators that claim to are generating a plausible-looking figure, not a price.
For a real number, a licensed insurance professional can quote your actual situation. That part is free too.