Insurance Tools
Explore our free insurance tools and calculators to plan smarter, save more and reach your financial goals.
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Insurance Tools
Car Insurance Calculator
Estimate car insurance premium
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Critical Illness Cover Calculator
Estimate critical illness cover required
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Disability Insurance Calculator
Estimate disability insurance needs
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Health Insurance Premium Calculator
Estimate health insurance premium costs
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Home Insurance Calculator
Estimate home insurance coverage and cost
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Human Life Value Calculator
Calculate your economic life value for cover
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Income Protection Calculator
Calculate income protection cover needed
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Insurance Needs Calculator
Calculate total insurance coverage needed
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Life Insurance Calculator
Estimate how much life insurance you need
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Mortgage Protection Calculator
Calculate mortgage protection cover
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Term Insurance Calculator
Calculate term insurance cover and premium
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Term vs Whole Life Calculator
Compare term and whole life insurance cost
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Travel Insurance Calculator
Estimate travel insurance premium
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Whole Life Insurance Calculator
Estimate whole life insurance cost and value
OpenAbout Insurance calculators
Insurance is about covering the gap your income or savings could not. These calculators help you estimate how much life, health or income protection cover you actually need, rather than guessing.
Use the life insurance and human-life-value tools to size cover around your debts, income and dependents, and the income protection and disability calculators to work out how much your earnings are worth protecting. The goal is enough cover to protect the people who rely on you, without paying for more than you need.
Insurance calculators: frequently asked questions
How much life insurance do I need?
A common approach covers your outstanding debts, several years of income for your dependents, and future costs like education, minus existing savings and cover. The life insurance calculator turns those inputs into a coverage figure tailored to your situation.
What is income protection insurance?
It replaces part of your income if illness or injury stops you working, usually paying a monthly benefit until you recover or retire. The income protection calculator estimates the benefit you would need to cover essential outgoings.
How is human life value calculated?
It estimates the financial value of your future earnings to your family, based on income, years to retirement and a discount rate. It is one way to size life cover. The human life value calculator does the projection for you.
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