Insurance Calculators

Life cover needed, term vs whole life, health out-of-pocket, ACA, Medicare IRMAA, motor IDV & NCB, home rebuild & average clause, travel, business cover and claim letters — worldwide.

🇺🇸 Popular in United StatesACA Premium Tax Credit Calculator (2026)Estimate your 2026 Obamacare premium tax credit after the enhanced subsidies expired: household size, income, FPL %, expected contribution and the 400% cliff.
🇺🇸 Popular in United StatesACA Subsidy Calculator — Household of 12026 premium tax credit for a single person: example $40,000 income → $363/month. 400% FPL cliff: $62,600.
🇺🇸 Popular in United StatesACA Subsidy Calculator — Household of 22026 premium tax credit for a family of 2: example $60,000 income → $827/month. 400% FPL cliff: $84,600.
🇺🇸 Popular in United StatesACA Subsidy Calculator — Household of 32026 premium tax credit for a family of 3: example $75,000 income → $996/month. 400% FPL cliff: $106,600.
🇺🇸 Popular in United StatesACA Subsidy Calculator — Household of 42026 premium tax credit for a family of 4: example $90,000 income → $1,132/month. 400% FPL cliff: $128,600.
Annuity Payout CalculatorTurn a pension pot or lump sum into monthly, quarterly or yearly annuity income at your quoted annuity rate, before and after tax.
🇦🇺 Popular in AustraliaAustralia Life Insurance CalculatorHow much life insurance do you need in Australia? Calculate cover from income, home loan, debts, children’s education and savings with the HLV and DIME methods.
Average Clause (Under-Insurance) CalculatorSee how under-insurance cuts your claim under the average clause: loss × sum insured ÷ actual value. For home, shop and business property policies.
Business Interruption Sum Insured CalculatorCalculate the business interruption sum insured from gross profit, growth, indemnity period and increased cost of working — avoid the average clause.
🇨🇦 Popular in CanadaCanada Life Insurance CalculatorHow much life insurance do you need in Canada? Calculate cover from income, home loan, debts, children’s education and savings with the HLV and DIME methods.
Motor Claim Depreciation CalculatorEstimate how much of your car repair bill insurance pays after IRDAI depreciation on metal, plastic, fibreglass and glass parts and the compulsory excess —…
Car / Motor Insurance Claim DocumentsEvery document you need for a car / motor insurance claim, as a printable tick-list — so your claim is not delayed for missing paperwork.
Car / Motor Insurance Claim LetterWrite a clear car / motor insurance claim letter: policy details, what happened, the amount claimed and the documents you are enclosing. Copy and send.
Child Education Plan CalculatorFind the future cost of your child’s education with inflation and the monthly investment needed — plus the life cover that protects the goal. Free.
Earthquake Deductible CalculatorEarthquake deductibles are a percentage of dwelling coverage — see what you pay before insurance kicks in for any damage amount.
Family Floater Cover CalculatorHow much family floater health insurance do you need? Suggests a base sum insured and a super top-up by family size, ages and city. GST-exempt from Sept 2025.
GST on Insurance PremiumIndividual life and health insurance are GST-exempt from 22 September 2025; motor, home, travel and group policies stay at 18%. Calculate GST on any premium.
Out-of-Pocket Cost on a $100,000 BillOn a $100,000 bill with a $2,000 deductible, 20% coinsurance and a $6,000 out-of-pocket max you pay $6,000; insurance pays the rest. Try your plan.
Out-of-Pocket Cost on a $10,000 BillOn a $10,000 bill with a $2,000 deductible, 20% coinsurance and a $6,000 out-of-pocket max you pay $3,600; insurance pays the rest. Try your plan.
Out-of-Pocket Cost on a $25,000 BillOn a $25,000 bill with a $2,000 deductible, 20% coinsurance and a $6,000 out-of-pocket max you pay $6,000; insurance pays the rest. Try your plan.
Out-of-Pocket Cost on a $50,000 BillOn a $50,000 bill with a $2,000 deductible, 20% coinsurance and a $6,000 out-of-pocket max you pay $6,000; insurance pays the rest. Try your plan.
Out-of-Pocket Cost on a $5,000 BillOn a $5,000 bill with a $2,000 deductible, 20% coinsurance and a $6,000 out-of-pocket max you pay $2,600; insurance pays the rest. Try your plan.
Health Insurance Cost CalculatorSee exactly what you pay on a medical bill after your deductible, coinsurance, copay and out-of-pocket maximum — and what the insurer pays.
Home Rebuild Cost CalculatorCalculate the rebuild cost to insure your home for (not its market value): floor area × local build rate + demolition and professional fees + outbuildings.
Homeowners Insurance Coverage CalculatorSet homeowners coverage A–F: dwelling, other structures, personal property, loss of use, liability and medical payments using standard HO-3 proportions.
HSA Contribution & Tax Savings CalculatorCheck 2026 HSA limits ($4,400 self, $8,750 family, +$1,000 at 55+) and how much federal, state and payroll tax your contributions save.
🇮🇳 Popular in IndiaCar IDV CalculatorCalculate your car’s Insured Declared Value from the ex-showroom price and age using IRDAI’s depreciation schedule (5% to 50%).
🇮🇳 Popular in IndiaIndia Term Insurance CalculatorHow much term life insurance do you need in India? Calculate cover from income, home loan, debts, children’s education and savings with the HLV and DIME…
Insurance Cancellation LetterCancel an insurance policy in writing — free-look cancellation, switching insurer or selling the asset — and request a refund of unused premium.
Insurance Commission CalculatorEstimate insurance commission over the life of a policy with first-year and renewal rates, weighted by persistency.
Insurance Complaint Letter (India)Formal complaint letter to your insurer for a rejected, delayed or underpaid claim, with the right escalation for India (IRDAI Bima Bharosa & Ombudsman).
Insurance Grace Period CalculatorFind the last date to pay a premium without the policy lapsing: IRDAI 30/15 days, US 31 days, India health renewal grace.
🇬🇧 Popular in United KingdomUK Insurance Premium Tax CalculatorCalculate UK Insurance Premium Tax at the 12% standard rate or the 20% higher rate for travel and some goods-related cover — add or remove IPT.
Key Person Insurance CalculatorSize key-person (key man) insurance by profit contribution, replacement cost and guaranteed loans, or as a multiple of compensation.
Life Insurance CalculatorWork out how much life insurance you need with the Human Life Value and DIME methods: income replacement, debts, mortgage, education and final expenses, minus…
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹10 lakh a Year?On a ₹10 lakh income in India, a family typically needs about ₹2,25,00,000 of life cover (HLV method) — DIME gives ₹1,55,00,000.
🇨🇦 Popular in CanadaHow Much Life Insurance on C$100k a Year?On a C$100k income in Canada, a family typically needs about $1,900,000 of life cover (HLV method) — DIME gives $1,420,000. Adjust for your debts and goals.
🇬🇧 Popular in United KingdomHow Much Life Insurance on £100k a Year?On a £100k income in UK, a family typically needs about £1,750,000 of life cover (HLV method) — DIME gives £1,253,000. Adjust for your debts and goals.
🇺🇸 Popular in United StatesHow Much Life Insurance on $100k a Year?On a $100k income in US, a family typically needs about $1,850,000 of life cover (HLV method) — DIME gives $1,340,000. Adjust for your debts and goals.
🇦🇺 Popular in AustraliaHow Much Life Insurance on A$120k a Year?On a A$120k income in Australia, a family typically needs about $2,300,000 of life cover (HLV method) — DIME gives $1,710,000. Adjust for your debts and goals.
🇺🇸 Popular in United StatesHow Much Life Insurance on $120k a Year?On a $120k income in US, a family typically needs about $2,150,000 of life cover (HLV method) — DIME gives $1,540,000. Adjust for your debts and goals.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹15 lakh a Year?On a ₹15 lakh income in India, a family typically needs about ₹3,10,00,000 of life cover (HLV method) — DIME gives ₹2,05,00,000.
🇨🇦 Popular in CanadaHow Much Life Insurance on C$150k a Year?On a C$150k income in Canada, a family typically needs about $2,650,000 of life cover (HLV method) — DIME gives $1,920,000. Adjust for your debts and goals.
🇺🇸 Popular in United StatesHow Much Life Insurance on $150k a Year?On a $150k income in US, a family typically needs about $2,550,000 of life cover (HLV method) — DIME gives $1,840,000. Adjust for your debts and goals.
🇦🇺 Popular in AustraliaHow Much Life Insurance on A$180k a Year?On a A$180k income in Australia, a family typically needs about $3,200,000 of life cover (HLV method) — DIME gives $2,310,000. Adjust for your debts and goals.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹20 lakh a Year?On a ₹20 lakh income in India, a family typically needs about ₹3,95,00,000 of life cover (HLV method) — DIME gives ₹2,55,00,000.
🇺🇸 Popular in United StatesHow Much Life Insurance on $200k a Year?On a $200k income in US, a family typically needs about $3,300,000 of life cover (HLV method) — DIME gives $2,340,000. Adjust for your debts and goals.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹25 lakh a Year?On a ₹25 lakh income in India, a family typically needs about ₹4,75,00,000 of life cover (HLV method) — DIME gives ₹3,05,00,000.
🇬🇧 Popular in United KingdomHow Much Life Insurance on £25k a Year?On a £25k income in UK, a family typically needs about £650,000 of life cover (HLV method) — DIME gives £503,000. Adjust for your debts and goals.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹30 lakh a Year?On a ₹30 lakh income in India, a family typically needs about ₹5,60,00,000 of life cover (HLV method) — DIME gives ₹3,55,00,000.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹40 lakh a Year?On a ₹40 lakh income in India, a family typically needs about ₹7,30,00,000 of life cover (HLV method) — DIME gives ₹4,55,00,000.
🇬🇧 Popular in United KingdomHow Much Life Insurance on £40k a Year?On a £40k income in UK, a family typically needs about £850,000 of life cover (HLV method) — DIME gives £653,000. Adjust for your debts and goals.
🇺🇸 Popular in United StatesHow Much Life Insurance on $40k a Year?On a $40k income in US, a family typically needs about $950,000 of life cover (HLV method) — DIME gives $740,000. Adjust for your debts and goals.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹5 lakh a Year?On a ₹5 lakh income in India, a family typically needs about ₹1,40,00,000 of life cover (HLV method) — DIME gives ₹1,05,00,000. Adjust for your debts and goals.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹50 lakh a Year?On a ₹50 lakh income in India, a family typically needs about ₹8,95,00,000 of life cover (HLV method) — DIME gives ₹5,55,00,000.
🇨🇦 Popular in CanadaHow Much Life Insurance on C$50k a Year?On a C$50k income in Canada, a family typically needs about $1,200,000 of life cover (HLV method) — DIME gives $920,000. Adjust for your debts and goals.
🇬🇧 Popular in United KingdomHow Much Life Insurance on £55k a Year?On a £55k income in UK, a family typically needs about £1,100,000 of life cover (HLV method) — DIME gives £803,000. Adjust for your debts and goals.
🇦🇺 Popular in AustraliaHow Much Life Insurance on A$60k a Year?On a A$60k income in Australia, a family typically needs about $1,400,000 of life cover (HLV method) — DIME gives $1,110,000. Adjust for your debts and goals.
🇺🇸 Popular in United StatesHow Much Life Insurance on $60k a Year?On a $60k income in US, a family typically needs about $1,250,000 of life cover (HLV method) — DIME gives $940,000. Adjust for your debts and goals.
🇬🇧 Popular in United KingdomHow Much Life Insurance on £70k a Year?On a £70k income in UK, a family typically needs about £1,300,000 of life cover (HLV method) — DIME gives £953,000. Adjust for your debts and goals.
🇨🇦 Popular in CanadaHow Much Life Insurance on C$75k a Year?On a C$75k income in Canada, a family typically needs about $1,550,000 of life cover (HLV method) — DIME gives $1,170,000. Adjust for your debts and goals.
🇮🇳 Popular in IndiaHow Much Life Insurance on ₹8 lakh a Year?On a ₹8 lakh income in India, a family typically needs about ₹1,90,00,000 of life cover (HLV method) — DIME gives ₹1,35,00,000. Adjust for your debts and goals.
🇺🇸 Popular in United StatesHow Much Life Insurance on $80k a Year?On a $80k income in US, a family typically needs about $1,550,000 of life cover (HLV method) — DIME gives $1,140,000. Adjust for your debts and goals.
🇬🇧 Popular in United KingdomHow Much Life Insurance on £85k a Year?On a £85k income in UK, a family typically needs about £1,550,000 of life cover (HLV method) — DIME gives £1,103,000. Adjust for your debts and goals.
🇦🇺 Popular in AustraliaHow Much Life Insurance on A$90k a Year?On a A$90k income in Australia, a family typically needs about $1,850,000 of life cover (HLV method) — DIME gives $1,410,000. Adjust for your debts and goals.
🇺🇸 Popular in United StatesMedicare IRMAA Calculator (2026)2026 Medicare Part B premium ($202.90 standard) and IRMAA surcharges ($284.10–$689.90) by income bracket, plus Part D add-ons — based on 2024 MAGI.
🇮🇳 Popular in IndiaNo Claim Bonus (NCB) CalculatorSee your No Claim Bonus (20%, 25%, 35%, 45%, 50%), the discount on your own-damage premium, and whether a small claim is worth losing your NCB.
Persistency Ratio CalculatorCalculate 13th, 25th, 37th, 49th and 61st month persistency for life insurance portfolios — the key quality metric for agents and insurers.
Professional Indemnity Limit CalculatorHow much professional indemnity / errors & omissions cover do you need? Size the limit from revenue, contract values, client requirements and risk.
Life Insurance Surrender Value CalculatorEstimate the guaranteed surrender value of a traditional life policy from premiums paid, policy year and bonuses, using IRDAI’s 2024 minimum GSV factors.
Term vs Whole Life Insurance CalculatorCompare buying term insurance and investing the difference with a whole-life policy’s cash value. See the policy’s real return (IRR) and which leaves you ahead.
Third-Party Insurance Premium (India)Third-party motor insurance premiums by engine capacity, with 18% GST — the regulated rates that are the same at every insurer. Car and two-wheeler.
Travel Insurance Cover CalculatorRecommended medical, evacuation, cancellation and baggage cover for your destination, trip cost and age — with the Schengen €30,000 visa rule.
🇬🇧 Popular in United KingdomUK Life Insurance CalculatorHow much life insurance do you need in UK? Calculate cover from income, home loan, debts, children’s education and savings with the HLV and DIME methods.
🇺🇸 Popular in United StatesUS Life Insurance CalculatorHow much life insurance do you need in US? Calculate cover from income, home loan, debts, children’s education and savings with the HLV and DIME methods.
Workers’ Compensation Premium CalculatorEstimate workers’ compensation premium: payroll ÷ 100 × class rate × experience mod, plus state fees and discounts.