Insurance.
Compare and calculate insurance costs for every aspect of your life. From life insurance and income protection to car, home, pet, and business insurance — find the right cover at the right price.
All 13 insurance calculators
Free, instant, no signup. Every result shows its working and can be handed to the assistant.
Life Insurance Calculator
Calculate how much life insurance cover you need based on your income, debts, dependants, and financial goals. Get a personalised cover recommendation.
Income Protection Calculator
Calculate the right level of income protection insurance. See how much cover you need, waiting periods, benefit periods, and estimated premiums.
TPD Insurance Calculator
Calculate Total & Permanent Disability insurance needs. See how much TPD cover protects you if you can never work again due to illness or injury.
Home & Contents Insurance Calculator
Estimate the right level of home and contents insurance cover. Calculate your building replacement cost and contents value to avoid being underinsured.
Car Insurance Estimator
Estimate car insurance costs and compare comprehensive, third-party, and CTP. Find the right cover type based on your car's value.
Health Insurance Comparison Tool
Compare private health insurance options and find the right cover level. See if hospital cover saves you money vs the Medicare Levy Surcharge.
Trauma / Critical Illness Calculator
Calculate how much trauma (critical illness) insurance you need. Get a lump sum on diagnosis of cancer, heart attack, stroke, and other critical conditions.
Landlord Insurance Calculator
Calculate landlord insurance cover for your investment property. Protect against tenant damage, lost rent, liability, and natural disasters.
Pet Insurance Calculator
Estimate pet insurance costs and calculate if it's worth it. Compare accident, illness, and comprehensive cover for dogs and cats.
Travel Insurance Calculator
Estimate travel insurance costs for domestic and international trips. Compare cover levels for medical, cancellation, luggage, and adventure activities.
Professional Indemnity Insurance Calculator
Estimate professional indemnity insurance costs for Australian professionals. Protect against claims of negligence, errors, and bad advice.
Funeral Insurance Calculator
Calculate funeral insurance costs vs self-insuring. Compare funeral bonds, insurance policies, and savings plans to cover end-of-life expenses.
Business Insurance Calculator
Estimate business insurance costs including public liability, product liability, and business interruption. Find the right cover package for your business.
Questions Australians actually ask the AI.
Drawn from real conversations with the Insurance Assistant. Click any to open it in chat.
How does insurance work in Australia?
Our insurance calculators apply the same formulas, brackets and buffers that banks and the ATO use internally. We update assumptions weekly from RBA, APRA and ATO releases. Run the math →
Are the numbers reliable?
Yes—every calculation is auditable. We show the working, and the rates come from what every bank publishes under the Consumer Data Right, the RBA cash rate and ATO 2026 brackets. They're estimates, not advice. Run the math →
Do I need to sign up?
No. There are no signups and no upsells. The calculators run in your browser — only a question you choose to send the assistant leaves it. We earn nothing from any bank or product. The math is the product. Run the math →
What can the AI assistant do?
Ask questions in plain English. The assistant runs the calculators live, cites the formulas, and explains the result in your situation—linking back to the underlying tools. Run the math →