CoveredYears puts a number on what your income is worth, the gaps in your insurance, and whether your savings will last through retirement. Ten minutes, your own numbers, every assumption shown.
Standard actuarial and financial methods, the same ones used in professional wealth planning. Methodology
Age, income, costs, savings, home, insurance. Typical values for your country are filled in, so you only change what differs.
Present values weighted by life tables, income stability, inflation and your retirement age.
See the summary on screen, open the detailed report, and download both as PDF.
Life changes, and so do your numbers. Run it again each year, or after a new job, child, home or loan.
A one-page summary you can read in a minute, then a detailed report with every calculation, assumption and "what if" laid out in tables.
Your future income as one number, adjusted for how stable your job is and how likely you are to keep earning.
Life, disability and home insurance compared with what your household would actually need.
Whether savings plus state pension cover your spending, and to what age the money lasts.
How much to set aside for a home, school or other goal, saving versus borrowing side by side.
Assets, debts and future living costs on one page, including the value of your work.
Rates, life tables and country defaults are listed in the report. Change any of them and recalculate.
Full reports for invented households. Open one to see exactly what you get.
Insurers and advisers license CoveredYears for their clients. That is how the free version is paid for.
Short answers. The report itself explains every number.
No. CoveredYears is an educational planning tool. It applies standard formulas to the numbers you enter and never recommends specific products, funds or insurers. For decisions, talk to a licensed professional.
Nowhere. The calculation runs in your browser and your answers are not sent to us.
As accurate as the inputs and assumptions. Every assumption is listed in the report and can be changed. Treat the result as a snapshot, not a forecast or a guarantee.
The US, UK, Canada, Australia, New Zealand, Japan, South Korea, Singapore, Switzerland, Norway, Sweden, Denmark, Poland, Germany, France, Italy, Spain, the Netherlands, Belgium, Austria, Ireland, a general euro-area profile for other euro countries, and a world profile in USD or EUR for everywhere else.
Because insurers and advisers pay to use CoveredYears with their own clients. Households get the same tool for free.
License CoveredYears under your brand and give your advisers a needs analysis built on each client's real numbers.