Insurance Selection

Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.

Reconcile a user-selected emergency reserve target from essential monthly outflows, chosen coverage months, a one-time buffer, and accessible savings.

Apply entered in-network deductible, coinsurance, copays, and out-of-pocket maximum terms to an entered allowed-charge scenario, plus premiums.

Annualize an entered auto insurance quote and inspect one deductible subtraction using the policy term, fees and a hypothetical covered loss.

Compare an entered rebuild-cost estimate with a quoted dwelling limit and budget an actual premium and fees without fabricating risk pricing.

Project entered HSA contributions, scheduled distributions, and net growth while comparing annual contributions with a verified external limit.

Calculate fixed-rate loan payments, total interest, amortization, and extra-principal savings. Enter principal, annual note rate, and term; fees are excluded.

Reproduce a property-tax bill scenario from an official taxable assessed value, percent or mill rate, other annual charges, and confirmed credits.

Reconcile entered survivor-income needs, obligations, goals, death benefits, and dedicated resources without a coverage or product recommendation.

Project deterministic investment growth from a starting value and monthly contributions, with explicit beginning- or end-of-month timing and dollar reconciliation.

Compare debt avalanche and snowball payoff plans with a fixed monthly budget, rolled-over payments, payoff dates, and interest estimates.

Compare an entered education-cost target with a current balance and equal monthly savings under an entered net-return scenario.

Stress-test entered underlying and umbrella liability limits against one hypothetical covered-cost scenario and budget an actual quote without deriving a limit from net worth.

Reconcile entered disability policy benefits, other verified resources, offsets, taxes, essential expenses, and elimination-period resources without estimating premiums or recommending coverage.

Estimate dental costs from actual fees, deductibles and remaining insurer benefit caps, or budget a written patient-pay quote. Save and export assumptions.

Build a dated net-worth statement from eight asset and liability categories, using owned values minus owed balances without liquidity or health scoring.

Model retirement savings, inflation, user-entered Social Security, withdrawal-rate sensitivity, income gaps, and retirement-age scenarios.

Estimate covered in-network costs from confirmed plan terms, or reconcile EOB patient responsibility with payments, credits and a provider statement.