JobZakfWhat this tool answers
Add mortgage, loans and cards plus a payment buffer to size cover that wipes out what you owe. It runs entirely in your browser, so nothing you enter is stored or sent.
How it works
Total debts plus monthly payments multiplied by buffer months gives the cover figure.
Frequently asked questions
Why add a payment buffer?
Payments continue while your family waits for the claim and adjusts.
Should the mortgage be included?
Yes if you want the home debt-free. Many people match it with a decreasing term.
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Written and reviewed by Zain Shah, Founder and Editor. Updated October 2026. How we write.