Life Insurance Calculator

A life insurance calculator estimates how much cover is needed to protect dependants from financial hardship. The standard starting rule is 10–15× annual income

The calculator uses the standard published formula for life insurance. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

This calculator works with inches. You can enter values in the units shown — the calculator handles all conversions internally.

The core formula is: Cover = (Annual income × years to replace) + Debts − Liquid assets. Each step in the calculation is shown so you can verify the result manually.