Free Insurance Calculators
Smart, private insurance planning tools — 100% free, no sign-up, and runs entirely in your browser.
🛡️ 10 tools • more coming soon🛡️ Life Insurance
Why InsureKit?
Free & No Signup
Every tool is completely free. No accounts, no quotes from agents, no spam emails.
100% Private
All processing happens in your browser. Your income and family details never leave your device.
Transparent Math
Every result is based on standard actuarial formulas, with each input clearly explained.
Instant Results
No waiting, no loading screens. Get your cover estimate the moment you finish typing.
Frequently Asked Questions
InsureKit is a free collection of browser-based insurance calculators that help you estimate the right amount of cover for your needs without sharing personal data with any insurer or agent.
Yes. Every calculation happens in your browser. Nothing is sent to a server, logged, or shared with any third party.
No. InsureKit tools are educational. They give you a solid starting estimate, but you should consult a licensed insurance advisor before purchasing any policy.
Human Life Value (HLV) is the economic value of a person to their dependents — essentially the amount of money needed to replace their future income, repay debts, and meet long-term obligations if they were no longer around.