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Final Expense Calculator

Calculate your total final expenses — funeral costs, medical bills, legal fees, and outstanding debts. Find out how much final expense insurance you need to protect your family.

Part of our Insurance Calculators collection.

Final Expense Calculator

Free online calculator

$

Use the Funeral Cost Calculator above for your state

$

Unpaid medical expenses at time of death

$

Estate attorney, probate court fees

$

Credit cards, personal loans not covered elsewhere

$

Obituary, flowers, reception, travel for family

$

Life insurance, savings earmarked for final expenses

How to Use This Calculator

  1. 1

    Enter your personal details and financial information.

  2. 2

    See the estimated cost or coverage need instantly.

  3. 3

    Adjust inputs to compare different scenarios.

How This is Calculated

Total Final Expenses = Funeral + Medical + Legal + Debts + Miscellaneous
Coverage Gap = Total − Existing Coverage

National averages (2024):
Funeral: $8,300–$12,500
Medical: $5,000–$15,000 (last year)
Legal/Probate: $2,000–$5,000
Total typical range: $15,000–$35,000

Example Calculation

See your personalised estimate

Inputs

Result

Enter values above for your estimate

Results update as you enter your information.

Frequently Asked Questions

What is final expense insurance?
Final expense insurance is a small whole life policy ($5,000–$35,000) designed specifically to cover end-of-life costs. Unlike term life, it doesn't expire, requires no medical exam (or simplified underwriting), and premiums stay fixed. It ensures your family isn't left with bills.
How is final expense insurance different from burial insurance?
They're often the same product with different names. 'Burial insurance' emphasises funeral costs; 'final expense insurance' covers the broader picture including medical bills and debts. Most policies can be used for any purpose.
What if I have no savings and can't afford premiums?
Even $20–$50/month secures $10,000–$15,000 in coverage for most seniors aged 60–75. Many carriers offer graded benefit policies (2-year waiting period) for those with serious health conditions. Medicaid may cover some burial costs for those who qualify.

Last updated:

Disclaimer: Estimates based on national averages. Actual costs vary by location, provider, and individual circumstances.

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