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All 4 insurance and protection calculators
Deductible vs Premium Tradeoff Calculator
Prices a high-deductible health plan against a low-deductible one over the same year of care, crediting the high-deductible side with all three of its advantages: the lower premium, the employer contribution into a health savings account, and the tax saved on your own contribution. It reports which plan costs less at the care you expect, the billed spend at which the two would cost the same, and the most a single year can cost under each.
Insurance And ProtectionDisability Insurance Coverage Gap Calculator
Works out what a group long-term disability plan would actually leave you with each month after the tax an employer-paid benefit attracts, measures that against the spending that cannot stop, and splits the difference into the part a supplemental individual policy could close and the part no policy will cover, because insurers limit total replacement across every policy to a share of income. Use it to see whether cover described as replacing sixty percent of your salary would pay your bills, and how much cash the wait before it starts would take.
Insurance And ProtectionHSA Savings and Tax Benefit Calculator
Prices a health savings account on both of its sides: the tax a year's contribution avoids, split into the three layers that make it up, because federal income tax always applies, state income tax often does not and payroll tax is saved only where the money goes in through an employer's payroll plan and only below the Social Security wage base; and the balance the account reaches over the years you keep it, under either way of paying for care. Use it to see what a contribution is actually worth to you, whether an employer's money has pushed you over the shared limit, and what keeping the receipts rather than spending from the account is worth over a long horizon.
Insurance And ProtectionLife Insurance Needs DIME Calculator
Works out how much life cover a household needs by the DIME method, adding debts, years of income, the mortgage payoff and the cost of education, taking off the cover and savings already in place, and reporting the income leg both the way insurers state it and discounted to the lump sum that would actually pay it out. Use it to see how far a plain DIME total and the ten-times rule of thumb sit from each other, and what the cover needed would cost in premium at the age entered.