How to use this life insurance calculator
Enter income replacement years, debts, mortgage, education costs, final expenses, savings, and existing coverage. The calculator estimates the remaining coverage gap.
Free insurance calculator
Life Insurance Calculator
Estimate how much life insurance coverage may be needed for income replacement, debts, and family obligations.
- Income replacement
- Debt payoff
- Education costs
- Existing coverage offset
Coverage result
Estimated life insurance need
Estimated coverage need$0
Enter coverage details to estimate need.
- Income replacement
- $0
- Family obligations
- $0
- Savings and existing coverage
- $0
- Gross need before offsets
- $0
Estimate only. Review beneficiaries, taxes, employer coverage, Social Security survivor benefits, and policy terms.
Term life planning basics
Many households use term life insurance to cover years when dependents rely on income, a mortgage, childcare, or education funding.
What this estimate does not include
It does not include estate planning, special-needs planning, tax strategy, business ownership, policy riders, or permanent insurance cash value.