LifeInsureCalc is a free, independent life-insurance-needs calculator built for people who want a clearer starting number than a generic "10x your income" rule — without a sales call, a quote form, or an email requirement.
We built this site because most calculators fall into one of two camps: carrier landing pages designed to route you toward a quote, or bare-bones tools with no real explanation of how the number was reached. LifeInsureCalc tries to do neither — it shows its formula, explains its assumptions, and lets you edit every input.
All calculations run instantly in your browser. We don't require sign-up, we don't store what you enter, and we're not an insurance agency or broker.
LifeInsureCalc is operated by Numerlyn LLC. For questions or corrections, see our contact page.