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Free calculators to help you understand exactly how much coverage you need — and what it costs.
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Life Insurance Calculator
Find out how much life insurance coverage your family actually needs based on your income, debts, and dependents.
Calculate now →Term vs Whole Life Comparison
Compare total costs, cash value, and break-even points between term and whole life insurance side by side.
Compare now →Disability Insurance Calculator
Calculate how much disability coverage you need to protect your income if you're unable to work.
Calculate now →Pet Insurance Calculator
Estimate monthly pet insurance costs and find out if a policy makes financial sense for your pet.
Estimate now →Freelancer Insurance Calculator
Self-employed? Find out what insurance you need and estimate your total annual coverage costs.
Calculate now →EV Insurance Calculator
Electric vehicles cost more to insure. See how your EV model, battery size, and location affect your premium.
Calculate now →Home Insurance Calculator
Find out how much homeowners insurance you need — and how to avoid the most common coverage mistake.
Calculate now →Renters Insurance Calculator
Renters insurance costs less than most people think. Find out exactly how much coverage you need.
Calculate now →Umbrella Insurance Calculator
Find out how much extra liability coverage you need to protect your assets and future earnings.
Calculate now → NewHealth Insurance (Self-Employed)
Estimate your health insurance premium as a freelancer and find out if you qualify for ACA subsidies.
Calculate now →Car Insurance Calculator
Estimate your monthly car insurance premium based on your vehicle, age, driving record, and coverage level.
Calculate now →Dwelling Coverage Calculator
Find out how much dwelling coverage your home insurance policy should include based on your home's size, construction, and location.
Calculate now →SR-22 Insurance Calculator
Estimate your monthly insurance cost after an SR-22 requirement from a DUI, reckless driving, or license suspension.
Calculate now →Motorcycle Insurance Calculator
Estimate your monthly motorcycle premium by bike type, engine size, rider age, experience, and coverage level.
Calculate now →Travel Insurance Calculator
Estimate travel insurance cost by destination, trip length, traveler age, and coverage level. Includes CFAR and cruise options.
Calculate now →Boat Insurance Calculator
Estimate annual boat insurance cost by vessel type, value, horsepower, usage, and storage. Covers agreed value vs ACV.
Calculate now → NewBusiness Insurance Calculator
Find out what coverage your business needs and estimate your total annual cost across general liability, E&O, workers' comp, and more.
Calculate now → NewLife Insurance for Seniors Calculator
Estimate how much coverage you need at age 55–80. Based on final expenses, debts, spousal income needs, and legacy goals — not a generic rule of thumb.
Calculate now →Simple tools for smarter insurance decisions
We built My Insurance Calc because insurance math shouldn't require a degree.
Formula-based estimates
All calculators use established industry formulas and real actuarial data.
No account needed
No email, no signup, no credit card. Just answers.
Works on any device
Desktop, tablet, or phone — all tools work everywhere.
Free forever
All calculators are completely free with no hidden fees.
From the blog
Practical insurance guides to help you make better decisions.
Life Insurance After Cervical Cancer: Coverage Options for Survivors
Stage, lymph node status, surgical margins, and remission duration all shape your underwriting outcome. A complete guide for cervical cancer survivors.
Life InsuranceLife Insurance After Lymphoma: Coverage Options for Survivors
Hodgkin vs. non-Hodgkin, subtype, remission duration, and treatment received all affect your options. A complete guide for lymphoma survivors.
Life InsuranceLife Insurance for Remote Workers: What You Need to Know
Remote workers face unique coverage gaps — no group benefits, variable income, and digital nomad complications. Here's how to get the right coverage.
