How Much Life Insurance Do I Need? Free Calculator | TopMoneyApps
⚡ 30-Second Calculator

How Much Life Insurance
Do You Actually Need?

4 quick questions. Instant answer. No email required.

Step 1 of 4 25%
What's your annual income?
This is the main driver of how much coverage your family needs.
Annual income $75,000
$20K$400K+
How many people depend on your income?
Include spouse, children, or anyone who relies on you financially.
Just me
1 person
2 people
3 people
4+ people
How much debt do you have?
Mortgage, car loans, student loans — anything others would inherit.
Total debts $200,000
$0$1M+
How much do you already have saved?
Savings, investments, and any existing life insurance coverage.
Existing savings & coverage $25,000
$0$500K+
Your recommended coverage
$0
based on your income, dependents, and obligations
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