How Much Life Insurance Do You Need?: by the years of income

2026 law · reviewed September 7, 2026

$100,000 a year rising 3% from a fund earning 5%, with $365,000 of debts, final expenses, and education and $300,000 already in place, at four spans of years (hypothetical assumptions; method reviewed September 7, 2026)
Income replaced for	Income fund	All needs	New coverage needed
10 years	$918,498	$1,283,498	$983,498
15 years	$1,315,603	$1,680,603	$1,380,603
20 years	$1,676,302	$2,041,302	$1,741,302
25 years	$2,003,933	$2,368,933	$2,068,933

$100,000 a year rising 3% from a fund earning 5%, with $365,000 of debts, final expenses, and education and $300,000 already in place, at four spans of years (hypothetical assumptions; method reviewed September 7, 2026).

Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.