// multi-utility computation suite · offline · instant · precise
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│ computation suite │
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pfin.insurance-need Calculator
Calculates life insurance coverage needed from income replacement, mortgage payoff, and future obligations (college, debts), less existing assets. The standard rule of 10–12× annual income is a rough starting point — this gives the precise figure based on obligations.
Inputs
Income
Reference formula or conversion factor shown for context.
Debts
Reference formula or conversion factor shown for context.
Dependents
Count of items or occurrences.
Years Support
Reference formula or conversion factor shown for context.
Results
total coverage needed
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.
income replacement
Sample size or count used in the calculation.
debt coverage
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.
DIME rule
Reference formula or conversion factor shown for context.
per dependent
Sample size or count used in the calculation.
term vs whole
Reference formula or conversion factor shown for context.