Method: future-value of savings plus monthly contributions compounded monthly, discounted to today's dollars by your inflation rate, then compared against the 4% safe-withdrawal rule (Bengen / Trinity study). Pre-tax estimate.
Methodology: these calculators use standard formulas, compound-interest future value, the 4% withdrawal guideline, and the DIME coverage method (Debt, Income, Mortgage, Education). Results are estimates for educational purposes only, assume constant returns, and do not represent any specific product, premium, or guarantee. Actual insurance coverage and pricing depend on your age, health, and the issuing carrier. Nothing here is financial, tax, legal, or investment advice.
Want these numbers reviewed for your situation?
Bring your details to a free 30-minute call and we'll review your real coverage and income options together, at your pace.