Insurance decisions are usually made with too little math and too much sales pressure. These calculators fix that — figure out how much life cover you actually need (quick rule-of-thumb or the more thorough DIME method), estimate term and health insurance premiums, work out your vehicle's IDV and No Claim Bonus, project an endowment policy's maturity value, or see exactly how much ULIP charges eat into your returns. Every one free, with the working shown.
The question everyone asks first — how much life insurance do I actually need? Get a quick income-multiple estimate in seconds.
Open calculator →Quick income-multiple rule of thumb.
LiveEstimate by age, sum assured & term.
LiveBy age, coverage, city tier & family size.
LiveThorough cover sizing via the DIME method.
LiveTotal premiums as % of your income.
No — these are illustrative estimates using simplified, publicly-known pricing patterns, not any specific insurer's actual rate table. Always get a quote directly from a licensed insurer.
A quick rule of thumb is 10-15x your annual income. For a more thorough answer, the Human Life Value (HLV) calculator uses the DIME method — Debt, Income replacement, Mortgage, and Education.