Umbrella, coinsurance, and deductible calculators for your website.
Ten tools: how much umbrella coverage, whether the home is insured to the 80 percent rule, and when a higher deductible pays, with the home-sale and property tax tools beside them. Each opens in a small window on your site, with its sources and the date it was reviewed, in plain English. No account needed. Each ends by telling the reader to talk with a professional who knows their whole situation. No account needed.
Put these on your siteTry it: How Much Umbrella Coverage Do You Need? (opens in a new window)
Where a link goes
- The homeowners page, beside the coinsurance explanation.
- The umbrella page.
- The renewal email.
Paste it into an article, a resources page, or an email. The calculator stays here, kept current. Every tool below has its link ready; choose once whether copied links open the minimalist window or the full page.
All 10 tools
How Much Umbrella Coverage Do You Need?
Sizes an umbrella liability policy from what a lawsuit could reach: your net worth outside retirement accounts plus a share of your future income, less what your auto and home policies already cover.
Is Your Home Underinsured? The 80 Percent Rule
Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.
Raise the Deductible? The Break-Even
Weighs the premium a higher deductible saves each year against the extra you would pay on each claim, and finds the claim rate at which the two match.
Sell or Keep the House?
Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.
Pay Off the Mortgage or Invest?
Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.
Refinance Break-Even: When the New Loan Pays for Itself
Shows the month a new mortgage has paid for its closing costs, counted two ways, and whether you come out ahead for as long as you plan to keep the home.
15-Year or 30-Year Mortgage?
Runs a 15-year and a 30-year mortgage side by side, with the same cash spent on both and the difference invested, and shows where each stands at year 15 and year 30.
Home Sale Exclusion for a Surviving Spouse
Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.
Home Sale Exclusion After Renting It Out
Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.
Illinois Senior Property Tax Exemptions
Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.
Or take the whole set as one post
One post with the calculators above. Paste it into a new post as it is, or rewrite the introduction in your voice.
A ready-made post for your blog, with 3 of the calculators above.
Make the introduction your own. Adapt the post as you like; we keep the calculators up to date.
Filled in, the first sentence of the post is yours: “At your firm, these calculators show the arithmetic behind the questions we hear most.”
- 1Open Posts, then Add New, and give the post a title.
- 2Add a Custom HTML block (type /html). In the classic editor, use the Code tab.
- 3Paste, preview, publish. Do this as an administrator.
On a phone? Email this page to yourselfText it to yourself
Download as a file: · ·
3 of 10 tools are included. Change which ones
Why firms put these on their sites
- It ends with you
- Every tool closes by telling the reader to talk with a professional who knows their whole situation. The reader is on your site, so the next step is your door.
- Something to do, not just read
- A visitor who runs their own numbers stays longer than one who reads, and the number they get is the question they bring to you. Every figure traces to a statute, regulation, or agency release, and when the law moves, it changes here.
- In plain words
- Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.
Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.
Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is; add nofollow or any other attribute to the links if you like. No reciprocal link, ever. All 19 professional shelves.