Life Insurance Calculator

How much life insurance do you actually need?

Six short sections, about two minutes. A number that updates as you type, and the kind of policy that fits it. Free, no sign-up, and nothing is saved — it all stays on your device.

How it works

  1. Fill in your household. What you earn, what you owe, and what you would want to leave behind.
  2. Watch the number move. The total updates as you type, with every piece of the math shown.
  3. See which kind of policy fits. Term, whole, universal, or final expense — and the reason why, based on your answers.
Try an example
1

About you

These shape which kind of policy tends to fit — not just how much.

38
1885
2

Income to replace

The money your household would lose if your paycheck stopped, and how long they would need it.

75%
0%100%
20 years
130
3

Mortgage

What's left on the home loan, so the house is paid off and nobody has to move.

4

Debt and final costs

Everything else that would be left behind — plus the cost of the funeral and settling the estate.

5

Money to leave behind

Anything you want to leave to specific people — school, a head start, or just something behind. Set it per person.

2
6

What you already have

Coverage and savings that would be available right away. These come off the total. Worth knowing: life insurance through an employer usually ends when the job does, so it is worth counting separately from coverage you own.

What kind of policy usually fits

Based on your age, what the coverage is for, and what you could put toward it each month. This is education, not a recommendation — which policy is actually right for you depends on your health, your budget and a few things a form cannot see.

Every one of these can be the right answer for the right household, and the wrong one for another. Sorting that out is exactly what a Clarity Session is for. Book a free Clarity Call →

$0 Coverage to add