Insurance calculators
Work out how much life, TPD, trauma, income protection and home and contents cover you'd need, check car, pet, funeral and landlord quotes against their terms, and compare private health cover with the Medicare levy surcharge.
10 calculators, free and with no sign-up. Every result shows its working.
The figures today
Where most people start
Life Insurance Calculator
The life cover your family would need, less what you already hold
Income Protection Calculator
What income protection could pay you, against your expenses
Health Insurance Comparison Tool
Hospital cover against the Medicare levy surcharge
Home & Contents Insurance Calculator
The rebuild cost, contents room by room, and what underinsurance costs
All 10 calculators, by what they answer
How much cover do I need?
- Life Insurance CalculatorThe life cover your family would need, less what you already hold
- TPD Insurance CalculatorThe lump sum you'd need if you could never work again
- Trauma / Critical Illness CalculatorThe lump sum you'd need when diagnosed with a serious illness
- Income Protection CalculatorWhat income protection could pay you, against your expenses
- Home & Contents Insurance CalculatorThe rebuild cost, contents room by room, and what underinsurance costs
Is this quote worth it?
- Car Insurance Excess CalculatorWhether a lower excess is worth the higher premium
- Pet Insurance CalculatorWhat a pet policy would pay on a vet bill, and your share
- Funeral Insurance CalculatorWhen a funeral policy's premiums overtake its payout
- Landlord Insurance CalculatorWhat a landlord policy really costs after tax, in weeks of rent
The figures in full
The typical hospital policy anyone can buy costs $145.50 a month for a single at Bronze, $224.68 at Silver and $386.13 at Gold, before the government rebate, in October 2026 data.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- Should I get life insurance through super or separately?
- Through super: often cheaper and easier to get, but premiums reduce your retirement balance and the default cover may not match your needs. You can usually increase it through the fund. Separate policy: premiums come from your take-home pay, and you choose the insurer, the amount and the definitions. Some people hold base cover in super and top up separately. Moneysmart suggests comparing the cover, cost and rules of both. Open the Life Insurance Calculator
- Is income protection through super worth it?
- It depends on the fund's terms. Cover in super is often for a set amount and available without medical checks, but premiums come out of your super balance and can't be claimed as a tax deduction. Check the fund's benefit period, definitions and exclusions in its PDS, and compare them with a separate policy before deciding. Open the Income Protection Calculator
- What's the difference between TPD and income protection?
- TPD: lump sum for PERMANENT disability (can never work again). Income protection: monthly payments for TEMPORARY disability (recovering from illness/injury). You typically need both: IP covers short/medium-term inability to work, TPD covers the catastrophic permanent scenario. Open the TPD Insurance Calculator
- What's agreed value vs market value?
- Agreed value: a set dollar value for your car, agreed with the insurer; it's usually higher than market value and costs more in premium. Market value: the insurer decides the value at claim time, based on industry information about the make, model and condition. An agreed value can be reduced at each renewal as the car ages, so check it. Open the Car Insurance Excess Calculator