Free Insurance Calculators
(is listed below. The financial planning software modules for sale are on the right-side column)
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|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 money calculators 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:
|Financial Planning Software Modules For Sale
(are listed below)
Financial Planning Software that's Fully-Integrated
Goals-Only "Financial Planning Software"
Retirement Planning Software Menu: Something for Everyone
Our Unique Financial Services
Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
Miscellaneous Pages of Interest
|Tools For Money||Calculatorpro.com||Miscellaneous Vendors||Dinkytown.net
Have to have Sun Java / ActiveX running (both are security risks)
Same as FinCalc.com and CalcXML.com
This won't work unless you accept their cookies, have your Java turned on, 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.
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, but not free.||Life Insurance Needs Calculator.||A dozen inputs calculate the amount of life insurance you need.||A dozen inputs calculate the amount of life insurance you need.||~20 inputs calculate the amount of life insurance you need.|
|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.||7 inputs calculate the difference in budgets to calculate disability income needed.||Several inputs calculate the difference in budgets to calculate disability income needed.|
|Health Insurance Calculators and Health Savings Account Calculators||No.||Coinsurance Calculator.||APR calculator for Model premiums.||Health Savings Account (HSA) Contribution Calculator.||Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA?.||No.|
|Annuity Calculators||Yes.||No.||Annuitization Calculator with Schedule.||Immediate annuity calculator: Input PV, life expectancy, I, frequency of payments, and sliders calculates annual payments.||No.|
|Burial and Final Expenses Calculator||Yes but not free.||No.||No.||No.||Comprehensive final expenses calculator.||No.|
|Long-term Care Insurance Calculator||No||Long Term Care Calculator.||Long Term Care Costs 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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