Health & Insurance

ACA marketplace, HSA, Medicare, BMI, calorie, and insurance calculators.

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HSA Calculator 2026 — Contribution Limits & Triple Tax Savings

2026

Calculate HSA tax savings, investment growth, and projected balance at retirement. See the triple tax advantage in action. Based on 2026 IRS contribution limits.

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BMI Calculator — Body Mass Index, Category & Healthy Range

Calculate your Body Mass Index (BMI) from height and weight. See your BMI category, healthy weight range, and what it means. Free, instant results with chart.

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Calorie Calculator (TDEE)

Calculate daily calories for maintenance, weight loss, or gain using the Mifflin-St Jeor equation and your activity level.

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Sleep Calculator

Find the best bedtime or wake-up time based on 90-minute sleep cycles for optimal rest.

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Water Intake Calculator

Calculate how much water you should drink daily based on your weight, activity level, and climate.

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Pregnancy Due Date Calculator

Calculate your estimated due date from last period, conception date, or IVF transfer date. See trimester milestones.

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Body Fat Calculator (Navy Method)

Estimate body fat percentage using the US Navy circumference method. See body fat category and lean body mass.

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Macro Calculator

Calculate daily protein, fat, and carb targets based on your calorie goal and fitness objectives.

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BAC Calculator (Blood Alcohol Content)

Estimate blood alcohol content based on drinks consumed, body weight, and time. For educational purposes only.

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Weight Loss Calculator

Calculate daily calories and timeline to reach your goal weight at a safe rate of loss.

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ACA Marketplace Subsidy Calculator

2026

Estimate your Affordable Care Act premium tax credit based on income, household size, and plan level.

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Medicare Premium Calculator (IRMAA)

Calculate Medicare Part B and Part D premiums with IRMAA surcharges based on your income.

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Smoking Cost Calculator

Calculate how much smoking costs you per day, month, year, and decade. See what you could buy instead.

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Life Insurance Needs Calculator

Calculate how much life insurance coverage you need based on income, debts, dependents, and existing coverage.

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Renters Insurance Calculator

Estimate renters insurance premium based on personal property value, coverage type, and deductible.

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Flood Insurance Calculator

Estimate NFIP flood insurance premium by flood zone, property value, and deductible.

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Umbrella Insurance Calculator

Estimate umbrella insurance premium for $1M-$5M coverage. See when umbrella coverage makes sense.

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Long-Term Care Cost Calculator

Estimate long-term care costs for home health, assisted living, or nursing home with inflation projection.

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Travel Insurance Calculator

Estimate travel insurance premium for domestic or international trips based on cost and coverage level.

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Ideal Weight Calculator

Calculate your ideal weight by height and frame size using the Devine formula.

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Pregnancy Weight Gain Calculator

Calculate recommended pregnancy weight gain by week based on pre-pregnancy BMI.

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Child Growth Percentile Calculator

Estimate your child's weight and height percentile compared to CDC growth charts.

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Health Insurance Premium Estimator

Estimate health insurance premiums by age, plan tier, and household size.

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Disability Insurance Calculator

Estimate disability insurance premium based on income, benefit period, and elimination period.

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Healthcare Deductible Calculator

See your total out-of-pocket cost at different medical spending levels. Compare bronze, silver, gold plans.

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FSA Calculator (Flexible Spending Account)

2026

Calculate FSA tax savings and recommended contribution. 2026 limit: $3,500 healthcare.

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COBRA Calculator

Calculate COBRA continuation cost vs marketplace alternatives. See total cost for 18-36 months.

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HSA vs Traditional Health Plan Calculator

Compare total cost of HDHP+HSA vs traditional health plan at different medical spending levels.

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Protein Intake Calculator

Calculate daily protein needs based on weight, goal, and activity level. See food sources.

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Intermittent Fasting Calculator

Plan your IF schedule for 16:8, 18:6, 20:4, or OMAD. See eating windows and meal timing.

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Kidney GFR Calculator

Estimate glomerular filtration rate (eGFR) from creatinine. See CKD stage classification.

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A1C Calculator

Convert between A1C and average blood glucose. See diabetes risk classification.

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Cholesterol Ratio Calculator

Calculate TC/HDL, LDL/HDL, and triglyceride ratios. See cardiovascular risk levels.

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Heart Disease Risk Calculator

Estimate 10-year cardiovascular risk based on age, cholesterol, blood pressure, and lifestyle.

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Insulin Dose Calculator

Calculate correction and meal insulin doses from blood sugar, carbs, and ratios. Educational only.

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Child Height Predictor

Predict adult height from parent heights using the mid-parental method.

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Sunscreen Calculator

Calculate sun protection time based on skin type, UV index, and SPF. Get reapplication schedule.

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Elder Care Cost Calculator

Compare elder care costs: in-home aide, adult day care, assisted living, and nursing home by state.

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Pet Insurance Cost Calculator

Estimate pet insurance premium by species, breed, age, coverage level, and deductible.

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Body Recomposition Calculator

Calculate calories and protein for losing fat while maintaining muscle mass.

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Macro Split Calculator

Calculate protein, fat, and carb grams from calories and diet type (balanced, keto, high protein).

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TDEE Calculator (Total Daily Energy Expenditure)

Calculate comprehensive TDEE including BMR, TEF, NEAT, and exercise activity.

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Intermittent Fasting Schedule Calculator

Plan your IF eating window for 16:8, 18:6, 20:4, OMAD, or 5:2 protocols.

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Body Surface Area Calculator

Calculate BSA using DuBois and Mosteller formulas from height and weight.

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Waist-to-Hip Ratio Calculator

Calculate waist-to-hip ratio and cardiovascular health risk level.

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Homeowners Insurance Estimator

Estimate homeowners insurance premium by home value, risk level, and deductible.

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Blood Pressure Calculator

Check your blood pressure category from systolic and diastolic readings.

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Drug Dosage Calculator

Calculate medication dosage from body weight and prescribed dose per kg. Educational only.

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Conception Date Calculator

Estimate conception date from your due date or last menstrual period.

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Period Calculator

Predict next period, fertile window, and ovulation day from cycle length.

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IVF Due Date Calculator

Calculate due date from IVF embryo transfer date for 3-day or 5-day embryos.

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Auto Insurance Comparison Calculator

Compare auto insurance coverage levels and annual costs.

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Health Insurance Plan Comparison

Compare two health plans at different medical spending levels. Find which plan wins when.

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Insurance Deductible Comparison Calculator

Compare high vs low deductible plans. See break-even claims frequency.

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Medicare Part B Premium Calculator

Calculate Medicare Part B premium with IRMAA surcharge by income.

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Medicare Part D Premium Calculator

Calculate Medicare Part D IRMAA surcharge by income.

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Medigap Plan Comparison Calculator

Compare Medigap plans A, F, G, and N by coverage and estimated premium.

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Medical Bill Negotiation Calculator

Estimate savings from negotiating medical bills with payment plan options.

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Healthcare Cost Comparison Calculator

Compare procedure costs at hospitals, ASCs, and clinics.

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HSA Break-Even Calculator

Compare HDHP+HSA vs traditional plan at different medical spending levels.

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Copay vs Coinsurance Calculator

Compare copay plan vs coinsurance plan at your expected visit frequency.

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Prescription Drug Cost Calculator

Compare brand vs generic and insurance vs GoodRx pricing for medications.

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Dental Cost Calculator

Estimate out-of-pocket dental costs with and without insurance by procedure.

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Exercise Calorie Comparison Calculator

Compare calories burned across different exercises by duration and weight.

About Health & Insurance Calculators

This hub covers the calculators Americans reach for when a health or coverage decision has a dollar figure attached. The HSA Calculator 2026 estimates how much you can set aside tax-free under the IRS contribution limits tied to a high-deductible health plan, while the ACA Marketplace Subsidy Calculator gauges the premium tax credit you may qualify for through HealthCare.gov based on household income and size.

Timing matters. Run the Medicare Premium Calculator (IRMAA) before you file taxes, since the SSA uses your modified adjusted gross income from two years prior to decide whether a surcharge is added to your Part B and Part D premiums. The Life Insurance Needs Calculator is worth revisiting after a marriage, birth, or mortgage, when the income you would need to replace changes.

On the wellness side, the BMI Calculator, Body Fat Calculator (Navy Method), and Calorie Calculator (TDEE) translate height, weight, and activity into baseline numbers that doctors and trainers actually use. They inform goals; they do not diagnose.

Frequently Asked Questions

Who is eligible to contribute to an HSA, and what makes a plan HSA-qualified?
You can contribute to a Health Savings Account only while you are covered by an IRS-qualified high-deductible health plan (HDHP) and not enrolled in Medicare, claimed as a dependent, or covered by other disqualifying insurance such as a general-purpose FSA. The IRS sets the minimum deductible and out-of-pocket maximums an HDHP must meet each year, and those thresholds are indexed for inflation. Once you enroll in any part of Medicare, new HSA contributions must stop, though you can still spend the existing balance tax-free on qualified medical costs.
How does the ACA Marketplace decide my premium subsidy?
The premium tax credit is based on your estimated household modified adjusted gross income for the coverage year, your household size, and the cost of the benchmark second-lowest-cost Silver plan in your area. HealthCare.gov (or your state exchange) advances the credit to your insurer each month to lower your premium, and the IRS reconciles it on Form 8962 when you file. If your actual income ends up higher than your estimate, you may have to repay part of the advance, so it pays to update the Marketplace when your income changes mid-year.
What triggers a Medicare IRMAA surcharge, and can I appeal it?
IRMAA, the Income-Related Monthly Adjustment Amount, is an extra charge added to your Medicare Part B and Part D premiums when your income exceeds the thresholds set by the Centers for Medicare & Medicaid Services. The Social Security Administration determines it using your modified adjusted gross income from your tax return two years earlier, so a one-time spike, such as selling a home, can raise your premium later. If a life-changing event like retirement, divorce, or the death of a spouse has since lowered your income, you can request a reconsideration by filing Form SSA-44.
How much should I have in life insurance coverage?
A common starting framework is to replace the income your dependents would lose, then add outstanding debts like a mortgage, future costs such as college, and final expenses, before subtracting existing savings and any coverage you already hold through work. Some people use a rough multiple of annual income as a sanity check, but the multiple approach ignores your specific debts and how many years of support your family needs. Because employer group coverage usually ends when you leave the job and is often capped at one or two times salary, many households calculate their total need separately rather than assuming work coverage is enough.
Is BMI an accurate measure of health, and how does the Navy body fat method differ?
BMI is a screening ratio of weight to height; it flags statistical risk categories but cannot tell muscle from fat, so very muscular people can register as overweight while others fall in a normal range with high body fat. The Navy Method estimates body fat percentage from tape measurements of the neck, waist, and (for women) hips, which captures body composition that BMI misses. Neither replaces a clinical assessment, but using them together gives a fuller picture than weight alone, and the CDC treats BMI as a starting point for further evaluation rather than a diagnosis.