Final Expense True Cost Calculator

Most calculators only estimate funeral costs. The real number, including outstanding debt, estate administration, and what you leave your family to figure out, is almost always higher. See your actual coverage gap.

The Basics

Your State

Burial Preference

Traditional burial Cremation

Your Current Age

Used to estimate monthly premium range.

Outstanding Obligations

Pre-filled with national averages. Update any field with your own numbers for a more accurate result, or leave as-is for a reasonable estimate.

Outstanding Medical Bills

National avg: $11,900, unpaid bills at end of life.

Credit Card & Consumer Debt

National avg: $4,200, Federal Reserve data.

Other Outstanding Loans

Personal loans, car loans, etc.

Approximate Total Estate Value

Used to estimate probate & admin fees (~4%).

Include mortgage payoff in my final expense plan

Existing Coverage

What you already have in place reduces your gap.

Existing Life Insurance

Savings Set Aside for Final Expenses

This calculator provides estimates for planning purposes only. Burial costs are regional estimates based on NFDA national medians with cost-of-living adjustments. Debt averages are from Federal Reserve consumer finance data. Premium ranges are illustrative, actual rates depend on health, carrier, and coverage terms.

Your Estimated Coverage Gap

Select your state to see your estimate.

Why the gap is usually bigger than expected

The average American carries debt into death, medical bills alone average nearly $12,000.
Probate and estate administration can consume 3–7% of total assets.
Surviving family members often travel, take unpaid leave, and handle costs that aren't covered by anything.
Final expense insurance is designed specifically to cover these costs, not replace income.