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Insurance & Benefits

Life, auto and home insurance needs plus benefit trade-offs. 20 free tools, each one showing the math behind its answer and running entirely in your browser.

Insurance pages estimate how much cover a situation needs, not what a policy costs: income replacement and obligations for a life policy, a deductible against an out-of-pocket maximum for health cover, and the gap a total loss would leave in auto or home insurance.

Where a rule of thumb does the work - a multiple of salary, a share of replacement cost, a life expectancy estimate - the page prints the rule and says whose it is, so a number that came from an industry convention is not mistaken for a measurement.

Quotes come from insurers and prices come from a broker; these pages only size the gap a policy would have to fill, and they name the convention that did the sizing.

All 20 Insurance & Benefits tools

ACA Subsidy CalculatorWork out the 2026 premium tax credit from household income, size and the benchmark silver premium, including the return of the 400% poverty line cliff.Estimate ACA subsidies →
Auto Insurance EstimatorCheck a real auto quote against the minimum of the state you pick, size your bodily injury cover against realistic claims, and see what the premium buys a year.Check an auto quote against state minimums →
COBRA Cost CalculatorPrice COBRA continuation coverage from the plan monthly premium: your 102% payment, the 18, 29 or 36-month periods, and what the whole stretch costs you.Price COBRA continuation coverage →
Dental Insurance Cost CalculatorCompare a dental plan with paying the dentist directly: the annual premium, what it pays toward the year of work, your share, and where the plan breaks even.Compare a dental plan against paying directly →
Disability Insurance CalculatorEstimate your Social Security disability (SSDI) benefit from your AIME and the 2026 bend points, see the five-month wait, and size the gap your coverage leaves.Estimate your SSDI benefit and the wait →
Health Insurance Deductible CalculatorCompare two health plans on premium, deductible, coinsurance and out-of-pocket maximum, and see the spending level where the cheaper plan changes.Compare plan deductibles →
Home Insurance Coverage CalculatorEstimate the replacement cost of your home, check your dwelling limit and the 80% coinsurance rule, and compare replacement cost vs actual cash value on a loss.Check replacement cost and the 80% rule →
HSA Contribution CalculatorCheck your 2026 HSA limit, how much your own deposits and any employer deposits have used, and the income tax those deposits save at your marginal rate.Check your HSA limit →
Immediate Annuity CalculatorTurn a lump sum into lifetime income: the payments an immediate annuity buys, what a guaranteed period changes, and the years to recoup the premium.Price immediate annuity income →
Insurance Bundling CalculatorPrice your home and auto policies bought together against buying them apart: the separate total, the discounted bundle, and the real savings rate.Price a bundle against separate →
Life Expectancy CalculatorRead your life expectancy from the SSA period life table, the age half of people reach, the age one in four reaches, and the chance of any later age.Estimate life expectancy →
Life Insurance CalculatorAdd the income, debts, mortgage and education a family needs, subtract savings and existing cover, and price term cover against a cash-value policy.Estimate life insurance needs →
Long Term Care Insurance CalculatorEstimate the lifetime cost of long-term care for your household, split the bill into what a policy covers and what stays out of pocket, and weigh the premium.Price long-term care insurance →
Medicare Advantage vs Original Medicare CalculatorPrice a year both ways: Original Medicare with its premiums and cost sharing, against a Medicare Advantage plan with premium, deductible and out-of-pocket cap.Compare Medicare paths →
Medicare Cost CalculatorPrice a year of Original Medicare: the Part B premium, the Part A hospital deductible and coinsurance, the Part A buy-in tiers, and skilled nursing coinsurance.Price a year of Medicare →
Out-of-Pocket Maximum CalculatorThe most a health plan can cost you — premiums plus the out-of-pocket cap — with the care it takes to reach the cap, and the same plan at a ladder of spending.Find your worst-case year →
Pet Insurance CalculatorPrice a pet policy against paying the vet yourself: deductible, reimbursement percentage and annual limit, and the bill where it pays for itself.Estimate pet insurance →
Renters Insurance Cost CalculatorPrice a renters policy against paying for your belongings yourself: the yearly premium, six sizes of property loss, liability judgments, and where it pays off.Price a renters policy →
Term vs Whole Life Insurance CalculatorCompare a term policy against whole life for the same death benefit: the two premiums, the cash value, and where the premium difference ends up over the term.Compare term vs whole life costs →
Umbrella Insurance CalculatorPrice an umbrella policy and see how it splits a judgment with your auto and home limits: the annual cost, the million-dollar layer and the gap it closes.Price excess liability cover →

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