Insurance calculators
Free tools
Free, no-signup tools to help you understand your insurance needs. Get indicative figures in minutes, then talk to a licensed adviser if you want a proper assessment.
Treatment Cost Explorer
Every private procedure QuoteHub tracks, with sourced NZ cost observations where they exist and honest gaps where no price is published.
Mortgage Protection Calculator
Stress-test your mortgage repayments: what they become if rates rise, the monthly gap if your income stopped, and how long your reserves would bridge it.
Life Insurance Calculator
Calculate how much life insurance your family needs using the DIME method, covering mortgage, debts, income replacement, education, and funeral costs.
Risk Probability Tool
See the statistical probability of death, critical illness, and disability before retirement, personalised by your age, gender, and smoking status.
Income Protection Calculator
Compare what happens to your income and mortgage if you can't work: accident (ACC helps) vs illness (ACC pays nothing).
Trauma Calculator
Calculate the lump sum needed to survive a critical illness diagnosis, covering lost income, medical costs, mortgage, and rehabilitation.
TPD Calculator
Calculate lifetime financial needs if permanently unable to work: decades of living costs, mortgage, ongoing medical care.
Business Protection Calculator
Understand the financial impact of losing a key person in your business. Three modes: sole trader, key person, and partnership.
Lifestyle Risk Visualiser
See a side-by-side comparison of what happens to your family's lifestyle with and without insurance across different scenarios.
ACC Gap Calculator
Calculate the gap between what ACC covers and what you actually need, highlighting the illness risk that ACC doesn't touch.
How to use these calculators
Each calculator takes a handful of inputs and returns an indicative figure, not a quote and not financial advice. They exist to make the shape of a problem visible, the size of a gap, the number of years of income at stake, the repayments that would still need paying, so that a conversation with an adviser starts from your own numbers instead of a blank page.
Most people find it useful to run two or three tools rather than one. The income protection calculator life insurance calculator
What the numbers can and cannot tell you
A calculator only knows what you tell it. It cannot see your medical history, the wording of a policy you already hold, or the terms an insurer would actually offer you once you apply, and none of those things are minor. Treat every result here as a starting estimate that needs checking against real policies before you act on it.
None of these tools price cover. QuoteHub does not publish rates for insurance, because the figure that matters is the one an insurer sets after underwriting you, and that depends on details a form cannot capture.
Where to go next
If a result surprises you, read the guide behind it before you decide anything. Our insurance guides explain how each type of cover works in New Zealand, and the methodology page sets out where the assumptions behind these tools come from and how often they are reviewed.
All calculators provide general information only and do not constitute personalised financial advice. Licensed Financial Advice Provider · FSP 712931
Explore related pages: Life Insurance, Income Protection, Health Insurance, Trauma Insurance, Referral.