ZOE Academy
Your Financial Protection Calculator
Fill in your real numbers. The calculator does the math. In about 10 minutes you will know exactly what your family’s financial exposure is and how much coverage you actually need.
“Know the condition of your flocks, and give attention to your herds.” Proverbs 27:23
Step 1 of 5
Your Household Income
Enter your monthly take-home pay (after taxes). If your spouse or partner earns income, include that too. Use real numbers from your most recent pay stubs.
Step 2 of 5
Your Monthly Obligations
Enter every recurring monthly expense. Pull real numbers from your bank statement or bills. The accuracy of this step determines the accuracy of everything that follows.
Step 3 of 5
Your Outstanding Debts
Enter total balances, not monthly payments. These are the debts that would need to be resolved if something happened to you.
Step 4 of 5
Your Existing Resources
Enter what your family already has available. This includes savings, existing Life Insurance, and any other assets that could be accessed.
Step 5 of 5
Your Coverage Needs
How many years would your family need income replacement if you were no longer here? Consider the age of your children, how many years until they are self-supporting, and how long until your spouse reaches retirement.
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