DIME Life Insurance Calculator

DIME stands for Debt, Income, Mortgage, and Education — a simple way to size a life insurance conversation. It's a starting point, not advice.

Build Your DIME Estimate

Fill in each block and watch the stacked bar build your total. Then subtract what you already have to see the gap. For the thinking behind each block, see our life insurance guide.

Debt — non-mortgage ($) Credit cards, car loans, student loans, personal loans, final expenses. Annual income to replace ($) Gross annual income your household would need to replace. Years of income: 10 years How many years your family would need income support (5–20). Mortgage balance ($) Remaining balance to pay the home off outright. Education fund ($) Future education costs for children or dependents. Existing life insurance coverage ($) All current policies combined, including employer group coverage.

Debt—

Income replacement—

Mortgage payoff—

Education fund—

Total DIME estimate—

Minus existing coverage—

Estimated coverage gap—

A starting point, not advice: DIME is deliberately simple — it ignores savings, Social Security survivor benefits, a surviving spouse's income, inflation, and investment growth. Real coverage decisions weigh all of those. Use this number to ask better questions, not to buy a policy off a chart.

Educational tool, not advice. This calculator is for educational awareness only and is not financial, insurance, tax, or legal advice, a quote, or a recommendation of any product or coverage amount. Your actual need depends on your full financial picture.

Found a Gap Worth Talking About?

A free, carrier-neutral conversation can turn a rough DIME number into a plan sized to your actual household — comparing options across multiple carriers, not one company's shelf.

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DIME Life Insurance Calculator

Build Your DIME Estimate

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Found a Gap Worth Talking About?