Free Insurance Calculators
Straight answers to the money questions that actually matter — built on official IRS and government figures, with the sources shown. No email wall, nothing stored. A public project from TheInsurance.Guide.
Available now
ACA Subsidy Calculator LIVE
"Am I overpaying?" — estimate your 2026 Marketplace premium tax credit using the official IRS applicable-percentage table and federal poverty guidelines.
Open calculator →Life Insurance Needs LIVE
How much life insurance do you actually need? A clear DIME-method estimate (debt, income, mortgage, education) minus what you already have.
Open calculator →HSA Tax-Savings LIVE
See your 2026 HSA triple-tax advantage — yearly tax saved plus decades of tax-free growth, using the current IRS contribution limits.
Open calculator →Car Insurance Coverage LIVE
How much car insurance do you need? Size your liability limits to your assets, then use the 10% rule to decide whether collision & comprehensive still pay off.
Open calculator →Home Replacement Cost LIVE
Are you underinsured? Estimate the dwelling coverage to rebuild your home — not its market value — plus other structures, contents, and loss of use.
Open calculator →Renters Coverage LIVE
Add up your belongings for the right personal-property limit, size your liability, and see your loss-of-use cushion — in a couple of minutes.
Open calculator →More on the way
Term vs. whole life · Disability income-replacement · Umbrella policy need · Medicare cost estimate · Pet insurance worth-it · Long-term care.Why these are different
- Official numbers. Every figure traces to IRS or HHS sources, shown on each tool.
- No sign-up, no tracking. Nothing is stored; the math runs in your browser.
- Plain-English. Answers you can act on, not jargon.
- Open source. Every tool is public on GitHub — inspect the math.