Calculator

Insurance Check & Budget Calculator

Check how insurance cover fits household situation, core protection, add-ons and monthly budget impact.

Finance

Inputs

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Display currencyChoose the currency symbol for entered amounts and results. No exchange-rate conversion is applied.

Monthly net household income ($)

Use the income that is actually available to the household each month after tax and payroll deductions.

Household situation

The household situation helps classify priorities such as family protection or income protection.

Children in the household

Children often increase the importance of liability, income protection and family protection.

Housing situation

Home ownership can add property risks that are not equally relevant for renters.

Employment situation

For self-employment, income loss, liability and business-related cover often need separate checks.

Vehicles in the household

Enter vehicle cover separately so mandatory and mobility-related risks remain visible.

Personal liability per month ($)

Enter the monthly premium or convert annual premiums to a monthly value.

Disability / income protection per month ($)

This represents protection against long-term income loss, not a product recommendation.

Motor insurance per month ($)

Enter liability, partial and comprehensive motor cover as one monthly value if applicable.

Contents insurance per month ($)

Treat contents protection separately from existential risks.

Buildings insurance per month ($)

Relevant for owners; renters usually do not hold this as a separate contract.

Legal protection per month ($)

Legal protection is often an optional add-on and should not crowd out basic protection.

Life / family protection per month ($)

Especially relevant when dependants rely on income or loans need to be protected.

Health add-on cover per month ($)

Health add-ons differ by country and system; avoid double-counting basic healthcare cover.

Other insurance per month ($)

Bundle further policies such as travel, phone, pet, glass or specialist cover as a monthly amount.

FAQ

FAQ about Insurance Check & Budget Calculator

Which insurance do I really need?

That depends on household situation, income, property, family, work, vehicles and existing risks. The calculator structures important protection areas and does not recommend a product.

Is a low insurance share always good?

No. Low cost can also mean that important risks have not been considered. The calculator therefore looks at both budget and protection areas.

Why is there a budget range?

The range is simplified guidance, not a rule for every household. The key question is whether existential risks and mandatory cover are considered first.

Should I cancel optional insurance?

Not automatically. Check risk, coverage scope, deductibles, possible policy overlaps and cancellation terms first. Some add-ons can be useful; others are comfort cover.