Life Insurance Calculator
How much coverage do you actually need? Factor in income replacement, debts, and future expenses.
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Estimated monthly premium (term, healthy 30yr)
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Term life insurance can cost less than your streaming subscriptions. Compare quotes from top-rated carriers in minutes.
Compare Life Insurance Quotes →How This Works
The standard rule of thumb: 10× your annual income — but that doesn't tell the whole story. This calculator adds your debts (so your family isn't stuck with them), future expenses (college, etc.), then subtracts what you already have covered and your liquid savings. The result is a realistic coverage number, not a guess.
Term vs Whole Life: Most people only need term — it's 5-15× cheaper and covers you during the years your family depends on your income. Whole life builds cash value but costs significantly more. For pure protection, term wins.