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:
& 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

Financial Planning Software Modules For Sale
(are listed below)

Financial Planning Software that's Fully-Integrated
(the IFP is the NaviPlan alternative for 1/6th the price)

Goals-Only "Financial Planning Software"
(the MoneyGuidePro alternative for 1% of their price)

Retirement Planning Software Menu: Something for Everyone
(the RWRs, RP, and SRP)

Comprehensive Asset Allocation Software

Model Portfolio Allocations with Historical Returns

Monthly-updated ETF and Mutual Fund Picks

DIY Investment Portfolio Benchmarking Program

Financial Planning Fact Finders for Financial Planners Gathering Data from Clients

Investment Policy Statement Software (IPS)

Life Insurance Calculator (AKA Capital Needs Analysis Software)

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

Investment Software for Comparing the 27 Most Popular Methods of Investing

Rental Real Estate Investing Software

Net Worth Calculator (Balance Sheet Maker) and 75-year Net Worth Projector

College Savings Calculator

Financial Seminar Covering Retirement Planning and Investment Management

Sales Tools for Financial Adviser Marketing

Personal Budget Software and 75-year Cash Flow Projector

TVM Financial Tools and Financial Calculators

Our Unique Financial Services
(are listed below)

We're Fee-only Money Managers: So you can hire us to manage your money, and/or financial advisers can hire us to manage client money, using our Model Portfolios and/or Asset Allocation Systems

Consulting Services: Hire Us to Make Your Financial Plan, Retirement Plan, Benchmarking Report, Whatever

Buy or Sell a Financial Planning Practice

Miscellaneous Pages of Interest
(are listed below)

Primer Tutorial to Learn the Basics of Financial Planning Software

About the Department of Labor's New Fiduciary Rules

Using Asset Allocation to Manage Money

Download Brokerage Data into Spreadsheets

How to Integrate Financial Planning Software Modules to Share Data

CRM and Portfolio Management Software

About Monte Carlo Simulators

About Efficient Frontier Portfolio Optimizers

Calculating Your Investment Risk Tolerance

About Discount Brokers for DIY Money Management

About 401(k) Plan Management

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, 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, 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 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?
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.
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 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. 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.