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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 →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.
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Works on any device
Desktop, tablet, or phone — all tools work everywhere.
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From the blog
Practical insurance guides to help you make better decisions.
Life Insurance for Pilots: What You Need to Know
Aviation exclusions, flat extras, and how to get affordable coverage as a pilot.
Gig WorkersInsurance for Gig Workers: Uber, DoorDash & Freelancers
The coverage gaps gig workers face — and exactly how to fill them.
Life InsuranceLife Insurance After a Cancer Diagnosis: Your Options
Guaranteed issue, graded benefit, and standard coverage — what's available and when.
Auto InsuranceHow to Lower Your Car Insurance Premium: 15 Proven Ways
Save hundreds per year without sacrificing the coverage you actually need.
Umbrella InsuranceUmbrella Insurance Explained: What It Is and Who Needs It
$1M of extra liability coverage for $150/year. Here's why it's worth it.
Life InsuranceHow Much Life Insurance Do I Actually Need?
The DIME method and income replacement rules explained clearly.