Free online insurance calculators for money and personal finance.

Free Insurance Calculators

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You can stop searching, because almost all free online insurance calculators are listed below

All of our free financial calculators, are on the Time Value of Money Tools demo, except for these, which are here:

The world's most functional free online retirement calculator

Our free 401(k) Calculator is the only one that performs all functions from all other 401k calculators

The bond calculator's demo has the most functional free bond yield to maturity calculator on the web

Our free personal budget software is okay considering there's no way to make money from it since everyone already has a free budget program

Large collection of free insurance calculators.

We listed almost every free online insurance calculator on the web. When planning for disability, life or health insurance, it's important to know how much you'll need to set aside each month. Use these insurance calculators to help budget your monthly allowances.

There are hundreds of websites with free online Insurance calculators, but the vast majority just "rent" usage of them from the vendors below. Paying them rent allows webmasters to put the financial calculators on their site in a manner that makes it look like their site built them (when they really just go to a site like Dinkytown to calculate and display the results). So most financial calculators are the same. For example, FinanceCalc.com just VisualCalc.com's personal finance software and MoneyToys uses Wheatworks.

Please keep in mind that Tools for Money didn't make the ones listed below, they're just links to other free online financial calculator websites.

Most calculate the numbers as advertised, but there are so few input fields, that you can't account for most of the details that will dramatically alter Real World results.

Time Value of Money and Financial Calculator Terminology

TVM = Time value of money - the basic concepts of what these financial calculators are all about. PV = Present Value (beginning investment values, or how much something is worth today). PMT = Payments (constant contributions or withdrawals each compounding period, usually added to or subtracted from the scenario monthly). I = Compound interest rate (interest rate or growth rate that is applied at each N compounding period). N = Number of compounding periods (how many times the calculations are done that compound money at the given interest rate, usually in months or years. E.g., If you have $100 and you compound, or add, 10% annual interest, then you'd have $110 as a future value over this one compounding period. If N=2, then it would compound twice, and your ending value would be $121, which is $110 plus 10%). FV = Future value (usually the result, or the amount of money accumulated over N compounding periods). P = Principal, or how much money is being lent or borrowed. ARM = Adjustable Rate Mortgage. APR = Annual Percentage Rate.

This is page 10 of 11 of the free financial calculators:
& Insurance Calculators

401(k) Calculators

Basic Financial Calculators

Family Money Calculators

Real Estate Calculators

Debt Calculators

Investment Calculators

Retirement Calculators

Tax Calculators

College Calculators

Insurance Calculators

Business Owner Calculators

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Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization

Life Insurance Needs Calculator

Rental Real Estate Analysis Software

Net Worth Calculator

College Savings Calculator

Marketing Seminar for Financial Planners

Financial Planning Marketing

Free Personal Budget Software and 75-year Cash Flow Projector

Vendors >

Functions

Tools For Money Calculatorpro.com Miscellaneous Vendors Dinkytown.net

Have to have Sun Java / ActiveX running (both are security risks)

FinancialCalculators.com

Same as FinCalc.com and CalcXML.com

This won't work unless you accept their cookies, have your Java turned on (dangerous security risk), and pop-up blocker turned off. It also won't work the first time because it needs to put a cookie on your computer. So click on another calculator after the first attempt fails, then they should all work.

VisualCalc.com

Same as FinanceCalc

All go to a main menu where you have to choose the calculator you want again

Life Insurance Calculator and Estate Planning Calculators Yes, the best ever made, but not free. Life Insurance Needs Calculator. A dozen inputs calculate the amount of life insurance you need.

What option is best for estate planning?

How much life insurance do I need?

Estate planning calculator.

Life insurance calculator.

Estate planning calculator.

Life insurance needs calculator.

A dozen inputs calculate the amount of life insurance you need.

Several inputs calculate the amount of life insurance you need.

~20 inputs calculate the amount of life insurance you need.

How long will my current life insurance proceeds last?

Several inputs calculate life insurance needs (Click on "Life insurance calculator")
Disability Insurance Yes, comprehensive inputs to calculate the difference between budgets between normal and disability, but not free. Disability Insurance Calculator. Disability Insurance Checkup Calculator.

Disability insurance need calculator.

7 inputs calculate the difference in budgets to calculate disability income needed. Several inputs calculate the difference in budgets to calculate disability income needed.

Input an age and it calculates the probabilities of becoming disabled in your lifetime.

Several inputs calculate disability insurance needs (Click on "disability insurance calculator")
Health Insurance Calculators and Health Savings Account Calculators No. Coinsurance Calculator.

Health Insurance Cost Calculator.

APR calculator for Model premiums. Health Savings Account (HSA) Contribution Calculator

Health Savings Account (HSA) Goal Calculator

Health Savings Account (HSA) vs. Traditional Health Plan

Health Savings Accounts (HSA) Employer Benefit

Health Savings Account (HSA) Savings Calculator.

Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA? No.
Annuity Calculators Yes

Immediate Annuity Calculator.

Present Value Annuity Calculator.

No. Annuitization Calculator with Schedule.

Annuity Calculator.

Annuity calculator.

Immediate annuity calculator: Input PV, life expectancy, I, frequency of payments, and sliders calculates annual payments.

Analyze a variable annuity: Input PV, current age, PMT, tax rate, surrender charges, withdrawal age, I, tax rate, and it calculates the long-term growth of taxable vs. tax-free account.

Input fixed annuity parameters and it calculates account balances.

Tax advantages of an annuity

Fixed annuity calculator: Input parameters of owning a fixed annuity, and calculate the details of different scenarios.

No.
Burial and Final Expenses Calculator Yes and free. No. No. No. Comprehensive final expenses calculator. No.
Long-term Care Insurance Calculator No Long Term Care Calculator. Long Term Care Costs Calculator.

LTC self-insurance calculator.

Cost of waiting to buy nursing home insurance calculator.

Long-term care calculator.

Cost of waiting to buy LTC calculator.

4 inputs calculate the annual costs of needing long-term care (nursing home). 10 inputs calculate long-term care needs. No.

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