Insurance & Planning Calculators

Coverage needs, emergency funds, education savings, and lifetime earnings tools.

• Budget 50/30/20 Rule CalculatorTrack your spending against the 50/30/20 budgeting rule: 50% needs, 30% wants, 20% savings.
• Annuity Payout CalculatorCalculate how much you will receive each period from an annuity given your lump sum, interest rate, payout period, and payment frequency.
• College Savings 529 CalculatorProject your 529 balance against future college costs, find your monthly savings gap, and estimate state tax deduction benefits.
• Disability Insurance Gap CalculatorCalculate the disability insurance coverage gap based on income replacement needs, waiting period, and benefit duration.
• Emergency Fund CalculatorCalculate your ideal emergency fund target based on monthly expenses, job security, and income situation.
• Inflation-Adjusted Purchasing Power CalculatorCalculate how inflation erodes purchasing power over time and how much you'll need in the future to match today's dollars.
• Net Worth Tracker CalculatorCalculate your total net worth, assets, liabilities, and liquidity to track wealth-building progress.
• Salary Negotiation Lifetime Value CalculatorCalculate the total lifetime earnings difference from negotiating a higher salary, including compounding raises, bonus, and retirement match.
• Term Life Insurance Coverage CalculatorCalculate the right amount of term life insurance coverage using income replacement, debt payoff, and education funding needs.