A quick way to see if there's a gap between what you have and what your family might need — using the DIME Method. Add as many items as apply to you.
DDebts & Liabilities
$0
Credit cards, lines of credit, personal loans — not including your mortgage.
IIncome Replacement
$0
Your annual income × the number of years your family may need it replaced.
$
MMortgage
$0
Remaining balance on your mortgage.
$
EEducation Fund Need
$0
Number of kids × years in university × estimated annual cost.
$
EChild Care Fund Need
$0
Projects total remaining cost per child: $19,000/year for each remaining year in ages 0–7, then $9,500/year for ages 8–12 — automatically calculated from their current age.
Current Life Insurance
$0
Existing coverage — this gets subtracted from your total need.
This is a general educational estimate for discussion purposes only. It does not constitute financial, tax, or insurance advice, and is not a guarantee or personalized recommendation. Your actual needs may differ — let's talk it through together.
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