Our calculators
Eight practical tools, all free and all private.
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Needs Calculator
Add up income, debts and goals to see the cover your household may need.
⚖️Term vs Whole Life
Put the two policy types side by side and compare long-run cost.
💳Premium Estimator
Get a ballpark monthly price from age, cover amount and term.
💼Income Replacement
Turn a salary into the lump sum that would keep it going.
🕊️Funeral Cost Calculator
Total typical funeral expenses and plan a final-expense budget.
🧩Beneficiary Splitter
Divide a payout between people and check the shares reach 100%.
🏠Mortgage Protection
See what cover would clear your home loan and what it costs.
⏳Cost of Waiting
Measure how much each year of delay adds to your premium.
Results are estimates for learning only. Read the disclaimer.