Stay-at-At-Home Spouse Insurance Calculator
Stay-at-home spouse insurance calculator — estimate the coverage your family would need, free.
Private — runs in your browser, nothing uploadedTry: Annual income=70000, Income multiple=12, Mortgage balance=250000, Other debt=10000, Education reserve=100000, Existing assets=30000, Existing life insurance=50000 → $840,000, $250,000, $10,000, $100,000, -$30,000, -$50,000, $1,120,000
How to use
This preset models the value of a stay-at-home spouse's care (childcare, household) as replacement income. Edit the fields above to match your numbers.
FAQ
Why insure a non-working spouse?
Replacing their childcare and household work with paid help can be costly; coverage helps the family absorb that.
What income should I enter?
Use an estimate of the cost to replace their work, not zero — that better reflects the real gap.