Life Insurance Calculator
Estimate how much life insurance coverage you need based on income, debts, and dependents.
How to use this tool
1
Open Life Insurance Calculator
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2
Enter your data
Paste or type your input. Results appear instantly.
3
Copy or download
Export your result with one click — ready to use anywhere.
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Why use this tool
100% in-browser
Your data never leaves your device — fully private.
No signup needed
Use any tool instantly without creating an account.
Always free
Every tool is free with no daily limits or paywalls.
Copy & download
Export results in one click, ready to paste anywhere.
FAQ
What is the DIME method?
DIME stands for Debt + Income replacement + Mortgage + Education. It is a simple framework to estimate total life insurance coverage needed.
How much life insurance is enough?
A common rule is 10–12× your annual income, but the DIME method gives a more precise number tailored to your situation.
Does age affect life insurance cost?
Yes — premiums increase significantly with age. Locking in a policy before age 40 is generally more cost-effective.