Free Online Calculator
Life Insurance DIME Calculator
Estimate how much life insurance you need with the DIME method — Debt, Income years, Mortgage, and Education — then subtract what you already have.
DIME Coverage Estimator
Frequently asked questions
What does DIME stand for?
Debt + Income (years) + Mortgage + Education — the four pieces summed, minus existing coverage and assets.
How many years of income should I replace?
Common planning ranges are 5–10 years, or until children are independent and the surviving spouse nears retirement.
Is DIME enough on its own?
It is a transparent starting point, not a full needs analysis. Pair it with a licensed agent's review.