EVERY COVERAGE DECISION · SOURCED

Insurance Calculators

How much life, home, auto, and disability coverage actually matches your income, dependents, and assets. The DIME method, income-replacement multiples, and term-vs-whole math, with sources.

Size life coverage
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Updated · NAIC · BLS · SSA

The DIME method (Debt + Income + Mortgage + Education) is the standard life-insurance need estimator: typical guidance multiplies annual income by 10x to 12x, then adds remaining mortgage balance, total non-mortgage debt, and projected education costs. Disability insurance usually replaces 60% to 70% of income; SSA data shows roughly 1 in 4 of today's 20-year-olds will experience a disability before retirement. Term life is cheaper for the same death benefit; whole life adds a cash-value component at a much higher premium.

Written and maintained by Jere Salmisto, Founder, CalcFi. Updated .

Formulas and data sourced from NAIC Insurance Industry Snapshot, BLS Consumer Expenditure Survey (premium share of income), and SSA disability incidence tables. Methodology at /about/editorial. Published by CalcFi Editorial.

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