About Toolezia
Toolezia is a free website of online calculators that turn confusing money and insurance questions into a clear number, with the math shown.
What we do
Insurance decisions are hard because the numbers are hidden. How much life insurance is enough? What might a policy cost? Toolezia gives you simple calculators that answer these questions in a few minutes. Each tool explains its formula, shows a worked example and lists its sources, so you can see how the result was reached and adjust it for your own situation.
Our principles
Transparent
Every calculator page explains its formula and assumptions in plain language.
Private
Calculations run in your browser. We do not ask for your name or email to use a tool.
Independent
Toolezia does not sell insurance or send your details to insurers.
Free
All tools are free to use, with no account or signup.
How we build and check our calculators
- Standard methods: We use widely accepted approaches, such as income replacement and needs analysis for life insurance.
- Published sources: Guidance draws on consumer resources from the National Association of Insurance Commissioners (NAIC) and data from the U.S. Census Bureau, along with other public industry data where noted on each page.
- Test with known numbers: We check each calculator against worked examples before publishing.
- Dates and updates: Every page shows when it was last updated. We revise pages when rules, costs or our formulas change.
- Corrections: If you find a mistake, email us and we will review it promptly.
Who is behind Toolezia
Toolezia is written and maintained by the Toolezia Editorial Team. We are a small independent team that builds practical tools for people in the United States who want to understand insurance before they talk to an agent.
Important to know
Estimates only. Toolezia calculators give estimates for planning and education. They are not insurance quotes, and they are not financial, legal or tax advice. Consult a licensed insurance agent for accurate pricing and advice for your situation.
Get in touch
Have a question, a correction, or an idea for a new calculator? We read every message.
Ready to start? Try the Life Insurance Calculator.