Term life calculators

Every worksheet here is built the same way. You fill in your figures, the answer updates as you type, and the years inside the level period are kept apart from the years after it, so a cheap start never hides an expensive finish. When a worksheet uses a price, that price is a dated sample, and the small print beneath the answer names its source and the person it was run for.

What you type is written into the web address. Bookmark it to come back later, or text it to your spouse so the two of you look at the same scenario.

All calculators

• Ladder plannerBuild the need curve year by year, then let the planner pick the rungs that cover it. It shows how well they fit, what the extra policy fees add up to and where a rung sits in the price bands.Checked November 11, 2026
• Term need curveMost advice gives you one number. Your family's need is a slope that falls every year. Draw yours, then size the policy to the slope.Checked November 12, 2026