A free, open-source suite of insurance calculators. No sign-up, no tracking, math runs in your browser, every figure traced to official IRS/HHS sources.
Live hub: https://spotclips.github.io/
Tools:
- ACA Subsidy Calculator — 2026 Marketplace premium tax credit
- Life Insurance Needs Calculator — DIME method
- HSA Tax-Savings Calculator — 2026 limits, triple-tax advantage
More coming: term vs. whole life, car insurance coverage, home replacement-cost, disability needs, and more.
Built and maintained by TheInsurance.Guide. Educational estimates only — not financial, tax, legal, or insurance advice. MIT licensed.