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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8" />
<meta name="viewport" content="width=device-width, initial-scale=1.0" />
<title>Free Insurance Calculators — No Sign-Up | TheInsurance.Guide</title>
<meta name="description" content="A free suite of insurance calculators — ACA subsidy, life insurance needs, HSA tax savings, and more. No sign-up, no tracking, built on official figures by TheInsurance.Guide." />
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<link rel="canonical" href="https://spotclips.github.io/" />
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<meta property="og:description" content="A free suite of insurance calculators built on official figures. No sign-up, no tracking." />
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<body>
<header class="site">
<div class="wrap">
<a class="brand" href="https://theinsurance.guide" target="_blank" rel="noopener">
<span class="dot"></span>
<span>TheInsurance.Guide<small>Clear answers on US insurance</small></span>
</a>
<a class="nav-cta" href="https://theinsurance.guide" target="_blank" rel="noopener">Read the guides →</a>
</div>
</header>
<main class="wrap">
<div class="hero">
<span class="tag">Free · No sign-up · No tracking</span>
<h1>Free Insurance Calculators</h1>
<p class="lede">Straight answers to the money questions that actually matter — built on official
IRS and government figures, with the sources shown. No email wall, nothing stored. A public project from
<a href="https://theinsurance.guide" target="_blank" rel="noopener">TheInsurance.Guide</a>.</p>
</div>
<section>
<h2>Available now</h2>
<div class="grid">
<a class="tool" href="https://spotclips.github.io/aca-subsidy-calculator/">
<h3>ACA Subsidy Calculator <span class="live">LIVE</span></h3>
<p>"Am I overpaying?" — estimate your 2026 Marketplace premium tax credit using the official IRS
applicable-percentage table and federal poverty guidelines.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/life-insurance-needs/">
<h3>Life Insurance Needs <span class="live">LIVE</span></h3>
<p>How much life insurance do you actually need? A clear DIME-method estimate (debt, income,
mortgage, education) minus what you already have.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/hsa-tax-savings-calculator/">
<h3>HSA Tax-Savings <span class="live">LIVE</span></h3>
<p>See your 2026 HSA triple-tax advantage — yearly tax saved plus decades of tax-free growth,
using the current IRS contribution limits.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/car-insurance-coverage/">
<h3>Car Insurance Coverage <span class="live">LIVE</span></h3>
<p>How much car insurance do you need? Size your liability limits to your assets, then use the 10%
rule to decide whether collision & comprehensive still pay off.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/home-replacement-cost/">
<h3>Home Replacement Cost <span class="live">LIVE</span></h3>
<p>Are you underinsured? Estimate the dwelling coverage to rebuild your home — not its market
value — plus other structures, contents, and loss of use.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/renters-insurance-coverage/">
<h3>Renters Coverage <span class="live">LIVE</span></h3>
<p>Add up your belongings for the right personal-property limit, size your liability, and see your
loss-of-use cushion — in a couple of minutes.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/umbrella-insurance-calculator/">
<h3>Umbrella Insurance <span class="live">LIVE</span></h3>
<p>How much umbrella coverage do you need? Size a personal umbrella to your net worth and future
income, then step it up for the risk factors that raise your exposure.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/gap-insurance-calculator/">
<h3>Gap Insurance <span class="live">LIVE</span></h3>
<p>Are you upside down on your car loan? See how big the gap is if your car is totaled today and
whether gap insurance is worth carrying.</p>
<span class="go">Open calculator →</span>
</a>
<a class="tool" href="https://spotclips.github.io/life-insurance-cost-estimator/">
<h3>Life Insurance Cost <span class="live">LIVE</span></h3>
<p>Ballpark your monthly level-term premium by age, coverage, term length, health, and tobacco use
— a quick reality check before you shop real quotes.</p>
<span class="go">Open calculator →</span>
</a>
<div class="soon">
<div class="badge">Coming soon</div>
<h3>More on the way</h3>
Disability income-replacement · COBRA vs. Marketplace cost · Medicare cost estimate
· Pet insurance worth-it · Long-term care.
</div>
</div>
</section>
<section>
<h2>Why these are different</h2>
<div class="why">
<ul>
<li><b>Official numbers.</b> Every figure traces to IRS or HHS sources, shown on each tool.</li>
<li><b>No sign-up, no tracking.</b> Nothing is stored; the math runs in your browser.</li>
<li><b>Plain-English.</b> Answers you can act on, not jargon.</li>
<li><b>Open source.</b> Every tool is public on <a href="https://github.com/spotclips" target="_blank" rel="noopener">GitHub</a> — inspect the math.</li>
</ul>
</div>
</section>
</main>
<footer class="site">
<div class="wrap">
<div>Free insurance calculators from <a href="https://theinsurance.guide" target="_blank" rel="noopener">TheInsurance.Guide</a> — clear answers on US insurance.</div>
<div class="src">Educational estimates only, not financial, tax, legal, or insurance advice. Open source on
<a href="https://github.com/spotclips" target="_blank" rel="noopener">GitHub</a>.</div>
</div>
</footer>
</body>
</html>