Life Insurance Calculator
Estimate how much life cover your family would need.
Uses the "human life value" approach: income replacement + debts + future goals, minus existing assets and cover. A common rule of thumb is 10–15× your annual income. This is guidance, not financial advice.
About Life Insurance Calculator
Life Insurance Calculator is a free online tool that lets you estimate how much life cover your family would need — straight from your browser, with no software to install, no sign-up, and no watermarks. It runs on Windows, Mac, Linux, Android, and iOS, so you can use it on whatever device you happen to have to hand.
Enter your figures and Life Insurance Calculator applies the right formula instantly, showing a clear breakdown so you understand how the result is reached — not just the final number. Adjust any input to compare scenarios side by side. Files and data are processed securely and removed automatically afterwards, and many steps run entirely on your own device for extra privacy. Because Life Insurance Calculator is completely free and unlimited, you can use it as often as you need for work, study, or personal projects.
Benefits of Life Insurance Calculator
Frequently asked questions
How does Life Insurance Calculator work out the result?
Enter your values and Life Insurance Calculator applies the relevant formula instantly, showing a clear breakdown alongside the final figure.
Can I compare different scenarios?
Yes — change any input and the result recalculates immediately, so you can weigh up options side by side.