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Three types of Replacement Value calculators

When you decide about going for  a cover against your home, You need to know about the replacement cost of your building, replacement cost of each content inside your home.

Replacement calculators are of three types

Express replacement calculator – This is especially for people who are in a hurry to know about the replacement cost , but the disadvantage is you can only get an approximate data, if you want to know about complete data you need to try the full building calculator

Full Building calculator – Is the right choice where you need to fill each and every inch of your building when it is build , what is area of your building, how many rooms are there in the building, what are the materials used to build the building. Once you fill all these details online you get the desired output about your replacement cost.

Contents calculator – Once you fill up all the details about the building next comes the contents calculator this calculator is especially designed to estimate the contents inside your home, you need to specify exact details to this tool and it will give you the accurate output about the amount you need to pay for contents insurance.

These calculators are available with your insurance company, check out their website.

Other resources

Human Capital Replacement Cost  Calculator

Life Insurance Calculator

Life insurance is probably something you don’t often think about, but no financial plan is complete without it. And if you haven’t yet put a plan in place, life insurance is a great place to start.

To help you determine how much life insurance is appropriate for you and your family, we’ve developed this easy-to-use life insurance calculator. By providing some basic information on your family’s resources, debt and expenses, current life insurance coverage and future income needs, the calculator will give you an estimate of the amount of needed life insurance coverage.

http://www.kofc.org/eb/en/insurance/calculator/index.html

Life Insurance Calculator

How much life insurance do you need? A reasonable goal is to replace your annual income (or the annual economic value of a stay-at-home spouse who runs the house and provides child care). If you expect to earn significantly more in a few years than you do now, or if you want to account for inflation, enter an income amount higher than your current salary. This calculator assumes your survivors will invest your insurance proceeds and then draw down the account gradually, leaving a zero balance at the end of the period you specify. Enter the income you’d need, the number of years you’d need it and how much investment return you think you’d earn.

http://www.forbes.com/tools/calculator/life_insurance.jhtml

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Life Insurance Needs Calculator

This tool will help you find out roughly how much life insurance you’ll need to have in order to ensure that your family is covered in the event of your death.

http://www.kanetix.ca/life_cov_calc

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Home Insurance

A Guide to Calculating the Replacement Value of your Home and Contents

By answering a few quick questions, this guide is designed to help you calculate the replacement costs of your Home Building and contents. It is intended only as a guide. The replacement cost of your home and contents may vary depending on the home’s design, features, fixtures and fittings. You should also consider whether you need a professional valuation by contacting an architect, builder or other valuation experts.

Enter your postcode, city name, or suburb name search

Important information about how this guide works

The programme for calculating the estimated replacement costs of your Home Building is provided by Reed Business Information Pty Ltd (ABN 47 000 146 821) trading as Reed Construction Data, and is licensed to GIO for use on this web-site. The building calculator programme uses typical building replacement costs identified by Reed from its industry research. Reed authorises use of the building calculator on the basis that whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by Reed for its accuracy. Reed’s research indicates that in 80% of cases the building estimate delivers an accuracy of +/- 10%. GIO takes no responsibility for the accuracy of any information in, or results derived from, Reed’s building calculator.

Estimates for contents replacement costs are provided by GIO and are derived from statistics about GIO and Suncorp customers. All estimates for contents replacement costs are averages, calculated as a proportion of the Home Building estimated replacement costs; they do not take into account the value of any particular items.

This guide provides estimates only, based on data about industry averages. The value of your Home Building and contents will vary depending on your circumstances. This guide does not provide a definitive valuation of any Home Building or contents. For a professional valuation you will need to contact an architect, builder or other valuation expert. All building replacement costs include an allowance for GST.

Home and Contents insurance is issued by GIO General Limited ABN 22 002 861 583. Please read the Product Disclosure Statement before you make any decisions regarding the product. Contact us for a copy.

This guide is only a valuation tool. Nothing in this guide should be taken as advice or a recommendation to acquire any product.

The information and material contained in this guide is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using this guide, you agree to abide by these terms and conditions of use.

You agree not to use, reproduce, adapt, compile, distribute or transmit in any form by any process any information, data, link or material contained in this guide for commercial purposes including, but not limited to: market research, pricing estimates or ‘shadow shopping’; without the written consent of GIO and the Suncorp Group

http://www.gio.com.au/calculators/home_form.asp

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Contents Insurance Calculator

A Guide to Calculating the Replacement Value of your Home Contents

The cost of replacing your home’s contents could be more than you think. Use our calculator to estimate the amount of cover you need.

At GIO, we replace your contents items new for old, so to calculate their current value we suggest that you assess your items as if you were buying them today, including GST. Please remember that the amounts we have provided are indicative costs only and for special items it may be advisable to seek the services of a qualified valuer.

Enter your postcode, city name, or suburb name search

Important information about how this guide works

The programme for calculating the estimated contents replacement costs is provided by Sum Insured Pty Ltd trading as Home Contents (ABN 75 099 322 308). The contents calculator programme uses typical contents replacements costs identified by Sum Insured Pty Ltd from its industry research. Sum Insured authorises use of the contents calculator on the basis that whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by Sum Insured for its accuracy. GIO takes no responsibility for the accuracy of any information in, or results derived from, Sum Insured’s contents calculator. Sum Insured’s research indicates that in 80% of cases, the contents estimate delivers an accuracy of +/- 15%. This guide provides estimates only, based on data about industry averages. The value of your contents may vary depending on your circumstances. This guide does not provide a definitive valuation of any home contents.

For a professional valuation you will need to contact a valuation expert.

Home and Contents insurance is issued by GIO General Limited ABN 22 002 861 583. Please read the relevant Product Disclosure Statement before you make any decisions regarding the product. Contact us for a copy.

This guide is only a valuation tool. Nothing in this guide should be taken as advice or a recommendation to acquire any product.

The information and material contained in this guide is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using this guide, you agree to abide by these terms and conditions of use.

You agree not to use, reproduce, adapt, compile, distribute or transmit in any form by any process any information, data, link or material contained in this guide for commercial purposes including, but not limited to: market research, pricing estimates or ‘shadow shopping’; without the written consent of GIO and the Suncorp Group.

http://www.gio.com.au/calculators/contents_form.asp

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Comprehensive Building Calculator

A Guide to Calculating the Replacement Value of your Home

The replacement cost of your home and contents may vary depending on the home’s design, features, fixtures and fittings. By answering a few quick questions, this guide is designed to help you calculate the replacement costs of your Home Building. If you are unsure, we recommend that you obtain a professional valuation by contacting a builder or expert.

Important information about how this guide works

The programme for calculating the estimated replacement costs of your Home Building is provided by Reed Business Information Pty Ltd (ABN 47 000 146 821) trading as Reed Construction Data, and is licensed to GIO for use on this web-site. The building calculator programme uses typical building replacement costs identified by Reed from its industry research. Reed authorises use of the building calculator on the basis that whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by Reed for its accuracy. Reed’s research indicates that in 80% of cases the building estimate delivers an accuracy of +/- 10%. GIO takes no responsibility for the accuracy of any information in, or results derived from, Reed’s building calculator.

Estimates for contents replacement costs are provided by GIO and are derived from statistics about GIO and Suncorp customers. All estimates for contents replacement costs are averages, calculated as a proportion of the Home Building estimated replacement costs; they do not take into account the value of any particular items.

This guide provides estimates only, based on data about industry averages. The value of your Home Building and contents will vary depending on your circumstances. This guide does not provide a definitive valuation of any Home Building or contents. For a professional valuation you will need to contact an architect, builder or other valuation expert. All building replacement costs include an allowance for GST.

Home and Contents insurance is issued by GIO General Limited ABN 22 002 861 583. Please read the Product Disclosure Statement before you make any decisions regarding the product. Contact us for a copy.

This guide is only a valuation tool. Nothing in this guide should be taken as advice or a recommendation to acquire any product.

The information and material contained in this guide is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using this guide, you agree to abide by these terms and conditions of use.

You agree not to use, reproduce, adapt, compile, distribute or transmit in any form by any process any information, data, link or material contained in this guide for commercial purposes including, but not limited to: market research, pricing estimates or ‘shadow shopping’; without the written consent of GIO and the Suncorp Group

http://www.gio.com.au/calculators/home_comp_form.asp

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Life Insurance Needs Calculator

So, how much life insurance do you need? Well, the answer isn’t really how much life insurance you need… it’s how much investment capital your family will need at the time of your death. Their need for capital — on a gross basis — is really a function of two variables:

1. How much will be needed at death to meet immediate obligations?

2. How much future income is needed to sustain the household?

The first category is fairly easy to estimate. It’s the sum of final expenses (including uncovered medical costs, funeral expenses and final estate-settlement costs) and other lump-sum obligations (such as outstanding debts, mortgage balance, and college costs).

The second variable is a bit trickier. It involves calculating the “present value” of future needed cash-flow streams. By answering a few simple questions below, you can get a rough sense of the needs for capital that might exist at your death.

A few tips:

Our analysis of your needs depends upon the answers you provide us to the questions below. Please answer all questions. If you do not understand a question, click on the highlighted term for more information and we’ll explain what we’re driving at.

This calculator has provided a rough sense of your potential life insurance needs. To the extent that you or your beneficiaries are eligible for Social Security benefits, those benefits have not been included in this analysis. Social Security benefits, if available, will somewhat reduce the need for life insurance. For a more accurate and detailed analysis, contact a professional life insurance agent.

Below, please estimate some of the lump-sum needs that would exist at the time of your death.

Final expenses: Typically the greater of $15,000 or 4% of your estate. This would include uncovered medical costs, funeral expenses, and final estate settlement costs. Note: If your estate is over $1,500,000 your final expenses may be much higher due to federal and state estate or inheritance taxes.

College funding: Total projected college costs (tuition plus all other costs such as room and board, books, etc.), less current funds in the child’s name.

Savings and investments: Includes bank accounts, money market accounts, mutual funds, CDs, bonds, stocks and other assets.

Mortgage payment fund: Whether or not your survivors would use life insurance proceeds to pay off the mortgage right away, creating a fund to cover mortgage payments makes sense.

Annual income needs: Total amount your family needs, before taxes, to maintain their current standard of living, typically 60%-75% of total income. Families with higher incomes typically fall into the lower end of that range.

Retirement savings: Includes 401(k), Keoghs, pension and profit sharing plans.

Life insurance in force: Includes individual policies, group term coverage available through work, and any other life insurance on your life payable to your family or for the benefit of your family. Do not include accidental death insurance or “double indemnity” insurance.

Spouse’s marginal tax rate: This is the rate of tax you are paying on your highest dollars of income. For instance, in 2005 a single taxpayer earning $50,000 has a Marginal Tax Rate of 25%. That’s because earned income between $29,700 and $71,949 gets taxed at 25%. The lowest Marginal Tax Rate is 10% an applies to people who earn less than $7,299. The highest Marginal Tax Rate is 35% for dollars earned in excess of $326,450

http://www.lifehappens.org/life-insurance/life-calculator

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Life Insurance Calculator

http://www.insurancecalculators.com/needscalc.htm

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Auto Insurance Calculator

1. Which is better: a new or used vehicle?

Website: http://partners.leadfusion.com/tools/allstate/auto01/tool.fcs

2. How much should depreciation cost me?

Website: http://partners.leadfusion.com/tools/allstate/auto02/tool.fcs

3. Should I lease or purchase a vehicle?

Website: http://partners.leadfusion.com/tools/allstate/auto03/tool.fcs

4. Should I finance or pay cash for a vehicle?

Website: http://partners.leadfusion.com/tools/allstate/auto04/tool.fcs

5. How much will my vehicle payments be?

Website: http://partners.leadfusion.com/tools/allstate/auto05/tool.fcs

6. Which vehicle loan is better?

Website: http://partners.leadfusion.com/tools/allstate/auto06/tool.fcs

7. What term of vehicle loan should I choose?

Website: http://partners.leadfusion.com/tools/allstate/auto07/tool.fcs

8. Should I use a home equity loan instead of an auto loan?

Website: http://partners.leadfusion.com/tools/allstate/auto08/tool.fcs

9. Which is better: a rebate or special dealer financing?

Website: http://partners.leadfusion.com/tools/allstate/auto09/tool.fcs

10. How long should I keep a vehicle?

Website: http://partners.leadfusion.com/tools/allstate/auto10/tool.fcs

11. What vehicle can I afford?

Website: http://partners.leadfusion.com/tools/allstate/auto11/tool.fcs

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Banking & Budgeting

1. How Much Am I Spending?

Where does all the money go? An itemization of your living expenses may help you budget better and plan for future expenses. Use this calculator to help you recall and itemize your living expenses.

http://finance.yahoo.com/calculator/banking-budgeting/bud02

2. Should I Pay Down Debt Or Invest My Monthly Surplus?

When you receive some extra money it may be difficult to determine whether you should invest the funds or use them to retire debt. Financial theory recommends that if your after-tax return on investments is greater than your after-tax cost of debt then you should invest. However, remember to consider the inherent riskiness of the investment you select (i.e. you may lose the money you invest yet still have obligations to pay back the liability). Use this calculator to help analyze your situation.

http://finance.yahoo.com/calculator/banking-budgeting/bud04

3. How Much Do I Need For Emergencies?

It is prudent planning to have at least three to six months of liquid/cash assets set aside in the event of a loss of job, medical emergency, short-term disability, etc. Use this calculator to help determine how much you need to set aside monthly or as a lump sum to create an emergency fund.

http://finance.yahoo.com/calculator/banking-budgeting/bud03

4. What Is My Current Cash Flow?

Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. Similary, a cash flow statement can help you evaluate your personal income and expenses and see if you are running ‘in the red or the black’ each month.

http://finance.yahoo.com/calculator/banking-budgeting/bud09

5. What Is The Value Of Reducing, Postponing or Foregoing Expenses?

Use this calculator to help determine what you could accumulate by not eating out as much, eliminating the newspaper, not renting as many videos and other discretionary monthly expenses.

http://finance.yahoo.com/calculator/banking-budgeting/bud11

6. How Much Should I Save to Reach My Goal?

What are you saving for: a computer, car, boat, summer home, down payment? Use this calculator to determine what you need to save on a regular basis to have the funds ready when needed.

http://finance.yahoo.com/calculator/banking-budgeting/sav06

7. Certificate Of Deposit (CD) Analyzer

Use this calculator to help determine the potential interest growth and tax liability on your Certificate of Deposit.

http://finance.yahoo.com/calculator/banking-budgeting/inv10

8. Should I Consolidate My Personal Debt Into A New Loan?


With interest rates at historical lows, it may make sense to consolidate some of your credit card and other personal debt into a new consolidated loan, typically a home-equity loan. Consolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years. Use this calculator to determine how quickly you could get out of debt and how much interest you might save.

http://finance.yahoo.com/calculator/banking-budgeting/det06

9. How Long Will It Take To Pay Off My Credit Card?

Americans today owe more money than ever before. The fact that ‘interest never sleeps’ means that the situation will continue to worsen unless steps are taken at the individual level to reduce or eliminate debt. Additional monthly payments can make a difference to accelerate the payoff and save yourself hundreds and thousands in interest payments.

http://finance.yahoo.com/calculator/banking-budgeting/det01

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Career & Work

1. How Will Payroll Adjustments Affect My Take-Home Pay?

Contributions to a qualified plan, participation in a company-sponsored cafeteria plan, change in filing status, or number of allowances claimed will have a direct impact on take-home pay. For example, due to federal savings, contributions to a qualified plan do not translate into a direct dollar-for-dollar tradeoff on take-home pay. Use this calculator to help compare your current situtation to what-if scenarios.

http://finance.yahoo.com/calculator/career-work/pay02

2. Should I Exercise My ‘In-The-Money’ Stock Options?

When your employee stock options become ‘in-the-money’, where the current price is greater than the strike price, you can choose from one of three basic sell strategies: Exercise your options, then hold the stock for sale at a later date (exercise and hold); hold your options and exercise them later (defer exercise); or exercise your options and immediately sell the stock (exercise and sell). This calculator will help you decide which choice will likely maximize your after-tax profits.

http://finance.yahoo.com/calculator/career-work/pay06

3. How Much Will My Company Bonus Net After Taxes?

A bonus from your employer is always a good, however, you may want to estimate what you will actually take-home after federal withholding taxes, social security taxes and other deductions are taken out. Use this calculator to help determine your net take-home pay from a company bonus.

http://finance.yahoo.com/calculator/career-work/pay01

4. What Is The Value Of A College Education?

It may surprise you that, on average, an individual with a bachelor’s degree earns approximately $54,392 per year, compared to the $31,044 average yearly salary of a worker with a high school diploma.