Insurance calculators, with the math shown.

No email walls, no lead-gen forms, no "talk to an agent." Just clean tools that run in your browser — built on the same published-math principle as the Nerd Score.

Life Insurance Needs Calculator

How much life insurance you actually need — built on the DIME method, with every dollar of the math shown.

DIME method · instant

Term vs. Whole Life Calculator

"Buy term and invest the difference" — run the real numbers on what that freed-up premium could become.

Cost over time · instant

Home Insurance Coverage Calculator

Estimate the dwelling, contents, liability and loss-of-use coverage your home actually needs — not what an agent upsells.

Rebuild cost · instant

Education, not advice. These calculators use standard, widely-published rules of thumb to give you a starting estimate from numbers you enter. We are not licensed agents and this is not personalized financial or insurance advice. Your real needs depend on your full financial picture — confirm with a licensed professional before buying. See our methodology.