These are 8 free calculators for anyone deciding how much life insurance to buy, what their household is actually worth, how to pay down a mortgage or debt, and whether a whole life policy can work as a private financing tool. Every one is ungated: no email, no signup, full results on screen.
They were built for the same people we work with every day — business owners, homeowners, families with dependents, and professionals within a decade of retirement. If you have never put your numbers on paper, the Financial Inventory Calculator is the place to start; it produces the balance sheet the other tools assume you already have. If you already know what you own and owe, the Term Life Insurance Calculator will size the gap fastest.
Nothing here is a quote or an application. Each calculator uses the assumptions printed on its own page and shows the formula behind the result, so you can check the math or adapt it to your situation. Real pricing depends on age, health, tobacco use, state and carrier underwriting, none of which a calculator can see. Use these to size the problem, then book a free call if you want to see what coverage would actually cost.
Pick the question you are trying to answer. Each tool runs entirely in your browser and updates as you type.
Estimate how much term life insurance your household actually needs. Enter income, mortgage balance, other debts, education costs and any coverage you already hold, and the calculator returns a target death benefit plus the gap your current policy leaves behind. Results update as you type, with no email required.
Open the Term Life Insurance CalculatorBuild a complete picture of what you own and what you owe. List assets, liabilities, income and existing insurance in one place, then see net worth, liquid reserves and the shortfall your family would face. Useful groundwork before any estate, retirement or business succession conversation.
Open the Financial Inventory CalculatorWork out the coverage needed to clear your mortgage and the term length to match the years you have left on it. Compare a level death benefit against a decreasing lender policy, and see what your family would actually keep after the loan is paid off.
Open the Mortgage Protection CalculatorSee what extra payments really buy you. Model an extra monthly amount, a one-time lump sum, and biweekly payments against your current schedule, and get the months saved and interest avoided for each — plus the honest caveats on biweekly programs.
Open the Mortgage Accelerator CalculatorFind your real monthly discretionary income. Enter take-home pay and every category of spending, including the annual bills people forget, then compare your needs, wants and savings split against the 50/30/20 benchmark and see what surplus is genuinely left.
Open the Financial Budget CalculatorSee how fast every debt could clear. Enter each balance, rate and minimum payment alongside your income and expenses, then compare the debt avalanche, the debt snowball, minimum payments only, and a modelled velocity banking plan — with the interest each one costs.
Open the Debt Freedom CalculatorProject the retirement income an indexed universal life policy could support, with premium load, rising cost of insurance and index caps all visible and editable. Compares against a 401(k) and a Roth IRA, and halts the projection honestly if the policy would lapse.
Open the IUL Retirement Income CalculatorModel the infinite banking concept on a whole life policy. Compare premium outlay against projected cash value, death benefit and policy loan capacity year by year, so you can see when the policy becomes a usable source of financing and what borrowing against it actually costs.
Open the Infinite Banking CalculatorA calculator can size the gap. A free call turns that number into real options, reviewed against your current coverage, your health and your goals. No pressure. No product push. Just clarity.
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