Family and Estate Planning Calculators
Family finances usually move through the same order: get the monthly budget working, build a cash cushion, protect the people who depend on you, save for their future, and plan what passes on.
Start with the Budget Calculator, which sorts your spending against the 50/30/20 rule, and the Emergency Fund Calculator, which sets a cash target from your actual expenses. The Net Worth Calculator gives you a single number to track year to year and compares it with others your age.
If anyone relies on your income, the Life Insurance Calculator estimates how much cover you need using three standard methods side by side. Each method also has its own page if you want to work through one in detail: DIME, the income multiplier and human life value. The methods often give different answers, and seeing why is the useful part.
For children, the 529 College Savings Calculator projects what you will have against what college is likely to cost. For what you leave behind, the Estate Tax Calculator applies the federal exemption and the separate estate and inheritance taxes some states charge, which can apply at much lower amounts.
Family & Estate Planning calculators
529 College Savings Calculator
Project your 529 balance against future college costs.
Open calculatorTrump Account Calculator
Project how a Trump account for a child could grow over time.
Open calculatorLife Insurance Calculator
How much cover you need, by the DIME, income multiple and human life value methods.
Open calculatorDIME (Life Insurance)
Life cover from debt, income replacement, mortgage and education costs.
Open calculator10x Income (Life Insurance)
The quick rule of thumb: a multiple of your income, adjusted for your situation.
Open calculatorHuman Life Value (Life Insurance)
The present value of the income your family would lose.
Open calculatorEstate Tax Calculator
Federal estate tax plus the state estate and inheritance taxes that apply.
Open calculatorNet Worth Calculator
Assets minus liabilities, with your allocation and age-group benchmarks.
Open calculatorEmergency Fund Calculator
How many months of expenses to keep in cash, and how long it takes to save.
Open calculatorBudget Calculator
Track income and spending against the 50/30/20 rule.
Open calculator
Popular guides
Frequently asked questions
How big should my emergency fund be?
A common guideline is three to six months of essential expenses, more if your income is irregular or you are the only earner. The Emergency Fund Calculator works out the amount from your own spending and how long it takes to save.
How much life insurance do I need?
Enough to cover your debts, replace the income your family would lose for the years they would need it, and fund goals such as education. The Life Insurance Calculator compares three methods so you can see a reasonable range rather than a single rule of thumb.
Will my estate owe estate tax?
Most estates owe no federal estate tax because the federal exemption is high. Some states charge their own estate or inheritance tax at much lower thresholds, so where you live matters. The Estate Tax Calculator checks both.