The short answer
Most insurance calculators online are lead-capture forms wearing a calculator costume — you enter your details and the answer arrives via a salesperson. These do not do that. The maths runs in your browser, the result appears immediately, and what you do next is entirely your call.
Last reviewed 2026-07-30
How much life cover do I need?
Builds a number from your mortgage, dependants and existing cover instead of guessing at a round figure.
How long could you last?
Turns your leave, savings and outgoings into a runway in weeks — which is also how you choose a wait period.
The ACC gap checker
Shows the same illness and the same accident side by side, with your numbers. Most people find this one uncomfortable.
Why these three
Because they answer the three questions that decide what cover makes sense, in order:
A number you built yourself is much harder to talk you out of.
A note on what a calculator can and cannot do
These produce a starting figure, not a recommendation. They cannot see your health history, your relationship property position, your trust structure, your employer's scheme, or which insurer would underwrite you most favourably. What they are good for is arriving at a conversation with a number you understand and can defend, instead of accepting the first one you are offered.
Keep reading
This page is general information about how insurance works in New Zealand. It is not regulated financial advice and it does not take your situation into account. For advice about your own cover, talk to a licensed financial adviser.