Am I covered for the things that would break me?

How much life and disability cover you need, and whether a high-deductible health plan beats a PPO.

Income$145k

Cushion1.8 mo

High-interest debt$12k

FOR YOU IN INSURANCENothing urgent here for your numbers. Start with a tool below to explore.See the full map →

START HEREHDHP vs PPO CalculatorCompare a year on each plan, tax savings from the HSA included, and see the level of medical bills where the cheaper plan changes. Long-Term Care Cost and Self-Insure CheckSee what a stretch of long-term care would cost when you need it, using 2025 national median prices, and whether your savings could pay for it or how much to set aside today. Term vs Whole Life CalculatorType in the premiums and cash values from your quotes and policy illustration, and see the return the extra whole life premium earned against investing it yourself. The numbers shown are an example, not a quote.

PLAN · 0/5Retire early

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The formula, always

Equation, worked example with your numbers, assumptions listed.

[1]

Primary sources, cited

IRS, Federal Reserve, BLS, Shiller. Dated and linked on every page.

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No login, no email wall, no submit button. The app is offered, never required.

✓ Rev. Proc. 2025-19: 2026 inflation-adjusted amounts for health savings accounts · Internal Revenue Service✓ Cost of Care Survey: national median costs, 2025 · CareScout✓ Publication 525, Taxable and Nontaxable Income: Life Insurance Proceeds (surrender of a policy for cash) · Internal Revenue Service✓ How does someone become eligible? (disability benefits) · Social Security Administration✓ How much life insurance do I need? · Fidelity Investments, Learning Center (income replacement and financial obligations methods)✓ Rev. Proc. 2025-19: 2026 inflation-adjusted amounts for health savings accounts · Internal Revenue Service✓ Cost of Care Survey: national median costs, 2025 · CareScout✓ Publication 525, Taxable and Nontaxable Income: Life Insurance Proceeds (surrender of a policy for cash) · Internal Revenue Service✓ How does someone become eligible? (disability benefits) · Social Security Administration✓ How much life insurance do I need? · Fidelity Investments, Learning Center (income replacement and financial obligations methods)

Am I covered for the things that would break me?

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