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Mathify

Инвестиции

Мгновенно, конфиденциально и бесплатно

Калькулятор срочного страхования.

Оцените, сколько страховки может понадобиться вашей семье.

Расчёт на устройствеБез регистрации
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Результаты обновляются во время ввода.

Личные данные

Существующее покрытие

Будущие цели

Предположения

Рекомендуемое покрытие

373 512 $
Стандартное восточное время. годовая премия: 45 $

Распределение покрытия

Потребность в возмещении дохода388 741 $
Необходимость защиты ответственности50 000 $
Целевая потребность с поправкой на инфляцию44 771 $
Валовая потребность493 512 $
Существующие ресурсы120 000 $
Требуется сетчатое покрытие373 512 $

Как работает эта оценка

  • 1Поддержка расходов по проектам до достижения пенсионного возраста в терминах текущей стоимости.
  • 2Добавляет обязательства, будущие цели и буфер окончательных расходов.
  • 3Вычитает существующие активы и текущее страхование жизни.

Это оценка для планирования. Окончательная сумма полиса и страховая премия зависят от андеррайтинга страховой компании и вашего профиля.

Cite this calculator

Canonical URL: https://mathify.one/ru/investment/term-insurance

Cite as: Mathify. (2026). Калькулятор срочного страхования. https://mathify.one/ru/investment/term-insurance

Use Cases

Plan adequate life coverage for your family

Determine the total life insurance amount needed to cover daily expenses, debts, and future goals, ensuring your family's financial stability.

Example: A 35-year-old with $50k annual expenses and $200k mortgage can estimate required cover.

Assess if your existing cover is sufficient

Compare your current life insurance with the recommended amount to identify any coverage gap and decide if additional term insurance is needed.

Example: If existing cover is $300k but recommended is $500k, you may need more.

Frequently Asked Questions

How does the term insurance calculator estimate my life cover?
The calculator uses your current age, retirement age, annual expenses, liabilities, existing assets, existing cover, and future goals. It factors in inflation and expected return rate to estimate the total life cover needed to maintain your family's lifestyle and meet financial obligations.
What inputs do I need to provide?
You need to enter your current age, retirement age, annual expenses (in US$), liabilities (US$), existing assets (US$), existing cover (US$), goal amount (US$), goal years, inflation rate (%), and expected return rate (%). All fields are required for an accurate estimate.
Why is inflation important in life insurance calculation?
Inflation reduces the purchasing power of money over time. The calculator adjusts your annual expenses and future goals for inflation to ensure the recommended cover accounts for rising costs, so your family's needs are met in the future.

Tips & Common Mistakes

Tips

  • Enter realistic figures for annual expenses and liabilities to get a more accurate estimate.
  • Consider future inflation when setting your goal amount and goal years.
  • Review your life insurance needs periodically, especially after major life events like marriage, children, or buying a home.
  • Use the expected return rate that reflects your investment strategy for the insurance proceeds.

Common Mistakes to Avoid

  • Underestimating annual expenses by not including all regular costs like utilities, insurance, and education.
  • Ignoring existing assets and cover, which can lead to overestimating the required life insurance amount.
  • Using an unrealistic return rate that is too high, which may underestimate the needed cover.

Last updated: August 13, 2026