Estimate protection needs, coverage gaps, and insurance tradeoffs without false precision.
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Cards show what the calculator decides, the inputs it needs, and where the result should lead next.
Calculator library
Compare deductible options by premium savings, extra claim exposure, emergency fund coverage, expected annual value, and break-even years before raising your auto insurance deductible.
Decides
annual savings | expected net benefit | break-even years
Plan the health-insurance runway between early retirement and Medicare by comparing COBRA versus ACA premiums, out-of-pocket costs, premium inflation, HSA offsets, and cash reserves.
Decides
months to Medicare | total bridge cost | cash needed after HSA
Project an elder-care funding plan after care inflation, family contributions, benefits, long-term-care insurance, protected reserves, savings runway, and facility-cost stress testing.
Decides
monthly net care need | funding gap | savings runway
Compare HDHP/HSA and PPO plans after premiums, deductibles, out-of-pocket maximums, employer HSA money, tax savings, expected medical use, worst-case exposure, and cash-reserve readiness.
Decides
HDHP net cost | PPO net cost | HDHP savings
Project long-term care cost after inflation, benefits, insurance, family support, current savings, protected reserves, and the monthly funding gap before retirement or caregiving decisions.
Decides
total projected cost | net care cost | funding gap
Compare long-term care insurance premiums with inflation-adjusted benefits, expected care costs, elimination-period cash needs, self-insurance gap, and premium affordability before buying a policy.
Decides
inflated benefit | total benefit available | care gap after policy
Compare pet insurance with self-insuring after premiums, deductible, reimbursement rate, annual caps, expected vet bills, emergency vet stress, cash reserve, and break-even bill size.
Decides
insured out-of-pocket | net benefit | emergency reimbursement
Size renters insurance after belongings, deductible, liability coverage, loss-of-use needs, emergency cash, replacement-cost gap, and total-loss affordability.
Decides
monthly premium | cost per coverage | replacement gap
See how much income you have before the 400% federal poverty level cliff wipes out your ACA marketplace premium subsidy entirely, and what your estimated monthly premium tax credit is right now.
Decides
percent of poverty line | estimated premium tax credit | net monthly premium
Estimate five-year auto ownership cost from entered depreciation, financing, insurance, fuel, maintenance, taxes, and fees.
Decides
Primary result | Risk note | Next action
Build an education-only DIME-style starting estimate including caregiving, final expenses, existing coverage, and survivor resources.
Decides
Primary result | Risk note | Next action
Estimate essential-expense coverage using gross policy-covered income, replacement percentage, benefit cap, waiting period, and entered tax treatment.
Decides
Primary result | Risk note | Next action
Compare a higher home-insurance deductible quote with the current premium and cash reserve for one modeled claim.
Decides
Required monthly amount | Projected gap | Target date
Compare total entered auto costs with a user-selected share-of-take-home-pay budget.
Decides
Primary result | Risk note | Next action
Compare net worth with a conservative modeled liability limit using the lower auto or home base limit plus umbrella coverage.
Decides
Primary result | Risk note | Next action
Illustrate the future value of the signed premium difference between entered term and whole-life scenarios.
Decides
Winning option | Dollar difference | Break-even point
Compare entered liability limits with assets at risk and an optional cash buffer to screen a simplified umbrella-insurance coverage benchmark.
Decides
Required monthly amount | Projected gap | Target date