- Mon, 18 May 2026
Skip the "10× your salary" guesswork. Get a personalized coverage estimate based on your real obligations in under 60 seconds.
If something happened tomorrow, how many years would your family need to replace your income?
Include all non-mortgage debt — credit cards, auto loans, personal loans, and student loans.
Enter your remaining mortgage. Use 0 if you rent or own your home outright.
College costs vary: ~$25,000/yr for in-state public, up to $58,000/yr for private schools.
Existing savings, investments, and current life insurance reduce the additional coverage you need.
This calculator provides an estimate using the DIME method (Debt, Income, Mortgage, Education) and is for informational purposes only. It is not financial advice. Your actual coverage needs may differ based on personal circumstances. Speak with a licensed insurance professional before purchasing a policy.
Whether you’re protecting your health, home, vehicle, or future, Insuranity covers every type of insurance with clear, reliable, and easy-to-understand guides and news.
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Navigating the world of insurance doesn’t have to be complicated. Our in-depth feature guides break down the most important insurance concepts, helping you understand your coverage, know your rights, and make confident decisions for you and your family.
Insuranity was founded with one clear mission, to make insurance and personal finance easy to understand for everyone. We know that insurance can feel overwhelming, filled with complex terms, confusing policies, and endless options. That is why we created a platform dedicated to breaking it all down in a way that is clear, honest, and accessible.
Our team of writers, researchers, and finance enthusiasts work tirelessly to bring you accurate, up-to-date news and guides covering health insurance, life insurance, property, travel, vehicle coverage, and much more.
We believe that every person deserves access to reliable insurance information, regardless of their background or financial knowledge. Whether you are buying your first policy or comparing plans for your family, Insuranity is here to guide you every step of the way with content you can trust.
Founder & Editor, Insuranity