Free Calculator

How much life insurance do you actually need?

Most people are guessing — or trusting a rule of thumb that doesn't fit their life. This calculator uses the DIME method (Debt, Income, Mortgage, Education) to give you a real number in under a minute. Nothing is stored; your numbers never leave your browser.

What your family would need

Your annual income

Gross, before tax.

Years of income to replace

How long your family would need support. 10–15 is common.

Mortgage balance

Other debts

Car loans, credit cards, student and business loans.

Number of children

Education fund per child

Estimated cost to put each child through school.

Final expenses

Funeral, medical, and estate settlement costs.

What you already have

Existing life insurance

Liquid savings & investments

Money your family could access now.

Estimated coverage you need

$1,215,000

Total need$1,240,000

Already covered−$25,000

Review this with an expert

An estimate using the DIME method, for education only — not a policy recommendation. Your numbers stay in your browser.

Have your number? Now design the policy around it.

A Fit Call turns this estimate into a real strategy — the right coverage, structured to build cash value you control, not just a death benefit.

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