Free Protection Gap Calculator
See how much protection your family may still need. Estimate your final expense gap and your retirement income gap in two quick steps.
Built for Wisconsin residents planning retirement. Free, private, and educational only.
Estimate Your Protection Gaps
Enter your details in each calculator below. Your estimated results appear instantly. No personal information is stored or sent by these calculators.
Final Expense / Family Protection Gap
Estimate how much life insurance protection your family may still need to cover final expenses. Enter amounts in dollars (numbers only).
Typical funeral and final-arrangement costs in your area.
Total life insurance you already carry that would help pay these costs.
Outstanding debts, medical bills, or other final expenses you want covered.
Extra cushion you want to leave your family for immediate needs.
Retirement Income Gap
Estimate the gap between the monthly income you want in retirement and the guaranteed income you already have. Enter monthly amounts in dollars (numbers only).
The total monthly income you want to live on in retirement.
Your estimated monthly Social Security benefit (find it at ssa.gov).
Any monthly pension income you expect to receive.
Annuity payments, VA benefits, or other guaranteed monthly income.
Your Results
This calculator provides educational estimates only. Results are not affiliated with or endorsed by any insurance carrier or government agency. We do not recommend specific companies, carriers, or products.
Ready to Compare Your Options?
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Educational Use Only
This calculator is for educational estimate purposes only. It does not provide financial, insurance, tax, or legal advice. Actual needs, product availability, underwriting, rates, guarantees, and suitability may vary. A licensed agent review is required before any recommendation can be made.
Firm Foundation LLC is an independent insurance agency licensed in Wisconsin. This tool is not affiliated with, endorsed by, or connected to any insurance carrier or government agency. We do not recommend specific companies, carriers, or products through this calculator.