Assess Needs: Pivot™ Life Calculator
Use these easy calculators to find out how much life insurance you need.
Your Monthly Household Expenses
Estimate the life insurance coverage amount you will need to best protect your family and be able to cover your current monthly expenses over a specific number of years.
Your Income Requirements
Estimate the life insurance coverage you will need to maintain your current salary over time to ensure your loved ones are taken care of. Typically your current annual salary.
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Your Debt
Estimate how much life insurance coverage you will need to pay off your entire debt load and secure your family's financial future.
Your Combined Needs
Estimate the life insurance coverage amount you will need to best protect your family over a specific number of years.
Saving for College
How much money will you need?
Just how much will it cost for your child to attend college? The table
below shows what the average costs may be.
Projected cost of college
| Your child begins college in |
4 years public school (in-state) |
4 years public school (out-of-state) |
4 years private school |
| 2 years |
$81,100 |
$121,200 |
$166,300 |
| 4 years |
$91,200 |
$136,200 |
$186,900 |
| 10 years |
$129,400 |
$193,200 |
$265,200 |
| 14 years |
$163,300 |
$243,900 |
$334,900 |
| 18 years |
$206,200 |
$307,800 |
$422,800 |
Source: Annual Survey of Colleges, The College Board. Chart
assumes a 6% average annual increase in tuition, fees, books, room and board,
and other expenses.