Live tools 26

Numbers behind every policy, settlement, and financial decision.

Insurance coverage, net worth, alimony, child support, military pay, settlements, and the personal-finance numbers that drive real decisions.

No ads · No signup · No paywall · Instant results · Always free

Insurance · 7 tools

Coverage that matches your family's exposure.

Life, disability, umbrella, and workers' comp — translate household income and dependents into the coverage amount that actually protects them.

Flagship · DIME method

Life Insurance Need

Drag annual income, dependents, and replacement years. The widget computes the recommended term coverage using a DIME-style approach.

Income $100k
Dependents 2
Years 15 yrs
$1.75Mrecommended term · 17.5× income Open full calculator
Auto coverage

Car Insurance

Drag your car's value and yearly mileage for a ballpark full-coverage premium.

Car value $25,000
Miles/yr 12,000
$1,512est./yr · $126/mo Open full calculator
Life Events · 6 tools

Which life event are you pricing?

The two biggest legal-money moments, mapped step by step — protecting the people who depend on you, or untangling one household into two.

Guided journeys

Bigger than one calculator? Follow the flow.

Multi-step paths that string the right legal & personal tools together in the order most people actually use them — with your numbers carried from step to step.

Personal Finance · 11 tools

Your numbers — assets, pay, and the cost of life events.

Net worth, military pay, BAH, unemployment math, lease-break penalties, and the costs that come with life changes.

Family Law · 7 tools

Settlement & support estimates.

Alimony, child support, divorce costs, prenup asset divisions, and damages math — ballpark numbers to take into the conversation.

Flagship · Support estimate

Alimony Estimator

Drag payer income, recipient income, and marriage duration. The widget computes an estimated monthly support payment.

Payer $/yr $150k
Recipient $/yr $45k
Marriage yrs 12 yrs
$2,625/mo · 6-yr duration Open full calculator
Income-share model

Child Support Calculator

Combined parental income × child-share factor — the income-share model used in 41 U.S. states.

~$1,150/mo1 child · $100k combined
Decide between

Two good options? See the head-to-head.

Key terms & formulas

The legal & personal vocabulary, decoded.

Every definition links to the calculator that puts the term to work. Browse the full glossary →

DIME MethodCoverage-needs framework adding debts, income replacement, mortgage, and education costs, then subtracting existing savings or coverage. Term Life InsuranceCoverage for a fixed period (typically 10, 20, or 30 years) at the lowest cost per dollar of benefit. It is a pure death benefit with no cash value component. Net WorthThe difference between everything you own (assets) and everything you owe (liabilities). It is the single most comprehensive measure of financial position. LiabilitiesAll outstanding debts and financial obligations including mortgage, car loans, student loans, credit card balances, and personal loans. Count the current balance, not the original loan amount. AlimonyCourt-ordered support from one spouse to the other after separation or divorce, intended to address income gaps and transition needs. Rehabilitative AlimonyTime-limited support while the recipient gains training, education, or work history needed to become more self-supporting. Income Shares ModelCalculation method that combines both parents' incomes and splits the obligation proportionally. Used by roughly 40 US states. Imputed IncomeIncome attributed to a voluntarily unemployed or underemployed parent based on their earning capacity, education, and work history. Prevents a parent from lowering support by refusing to work. DeductibleThe amount you pay out-of-pocket before insurance pays on a claim. Higher deductible lowers your premium but raises your out-of-pocket cost when a claim occurs. UM/UIM CoverageUninsured and Underinsured Motorist coverage protects you if you are hit by a driver with no insurance or insufficient coverage. Roughly 1 in 8 US drivers is uninsured. Elimination PeriodThe waiting period between when a disability begins and when LTD benefits start paying. Common lengths are 60, 90, or 180 days. A longer elimination period lowers premiums but requires more savings. Umbrella PolicyA personal liability policy that sits on top of your auto and homeowners insurance, paying out after the underlying policy limits are exhausted. Typically sold in $1 million increments.
Coverage need = income × years + debts − assetsThe income-replacement core of every life-insurance needs estimate — DIME adds Debt, Income, Mortgage, and Education as separate lines.
Net worth = total assets − total liabilitiesThe single-line balance sheet behind every personal-finance benchmark.
Child support ≈ combined income × child share × payer's income shareThe income-shares model used by 41 U.S. states — each parent owes in proportion to their slice of combined income.
Local & current

State rules change the math.

Frequently asked questions

Are these calculators a substitute for a lawyer or financial planner?

No. Every legal calculator here is educational — designed to give you a ballpark estimate before you walk into a consultation. Settlement amounts, alimony, child support, and damages all depend on jurisdiction, judge discretion, and case-specific facts that no calculator can model. Use these numbers to prepare informed questions, not to make binding decisions.

How is the Life Insurance Need calculated?

We use a simplified DIME-style approach: 10× annual income as the base (Income Replacement), plus an additional adjustment for the number of dependents and the years of replacement needed. Real DIME adds Debt + Income + Mortgage + Education — the full calculator captures each component separately. The widget chip shows the multiple for a quick gut-check.

Why does the Alimony estimate vary so much by state?

Alimony / spousal support is one of the most state-variable family-law issues in the U.S. Some states use a fixed formula (e.g., Massachusetts: 30–35 % of the income gap, duration tied to marriage length). Others give judges full discretion. The widget uses a neutral national-average formula; the full calculator surfaces state-specific guidelines where they exist.

Is Child Support different from Alimony?

Yes — child support is paid to support the child(ren) and follows mandatory state guidelines (income-share model in 41 states, percentage of obligor income in 8 states, Melson formula in 1 state). Alimony / spousal maintenance is paid to support the lower-earning spouse, often for a defined number of years, and judicial discretion plays a much bigger role.

How current are reference numbers like military pay tables and benefit caps?

Military Pay uses the most recent published DoD pay tables for the calendar year. BAH rates refresh each January. Unemployment and disability benefit caps are pulled from the latest state/federal sources at the time of release. Each calculator's footer shows the year and last-verified date so you can confirm against the current source if you're making a real decision.

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