Financie

Kalkulačka životného poistenia

Life Insurance Needs Calculator

Ročný príjem

Years of Income to Replace

Total Debts ($)

Funeral/Final Expenses ($)

Aktuálne úspory

Existing Life Insurance ($)

What is Life Insurance Calculator?

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A life insurance calculator estimates how much cover is needed to protect dependants from financial hardship. The standard starting rule is 10–15× annual income.

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Vzorec

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f(x)Cover = (Annual income × years to replace) + Debts − Liquid assets

How to Life Insurance Calculator

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1Cover = (Annual income × years to replace) + Debts − Liquid assets
2DIME method: Debt + Income (×years) + Mortgage + Education costs
3Term insurance: fixed period; whole of life: permanent cover
4Review after major life events

Worked Examples

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Example 1

Given:£50k income, £200k mortgage, 2 dependants

Výsledok:Minimum cover: £200k mortgage + £50k × 20yr = £1.2M

Cover Estimation Methods

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Method	Formula	Example (£50k salary)
Income multiple	10–15× salary	£500k–£750k
DIME	Debt+Income+Mortgage+Education	Personalised
Human life value	PV of future earnings	£500k–£1M

Frequently Asked Questions

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What is Life Insurance?

A life insurance calculator estimates how much cover is needed to protect dependants from financial hardship. The standard starting rule is 10–15× annual income

How accurate is the Life Insurance calculator?

The calculator uses the standard published formula for life insurance. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

What units does the Life Insurance calculator use?

This calculator works with inches. You can enter values in the units shown — the calculator handles all conversions internally.

What formula does the Life Insurance calculator use?

The core formula is: Cover = (Annual income × years to replace) + Debts − Liquid assets. Each step in the calculation is shown so you can verify the result manually.

References

›Life insurance — MoneyHelper

Len na informačné účely. Tento nástroj nepredstavuje finančné poradenstvo. Pred investičnými alebo finančnými rozhodnutiami sa poraďte s kvalifikovaným finančným poradcom.

Deep Dive

Read the full guide on how to use this calculator effectively

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Term vs Whole Life Insurance

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Reviewed October 2026

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