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Your personalized financial roadmap — built with precision, strategy, and purpose.
This analysis is provided for educational purposes only and is not financial, investment, tax, or legal advice. Projections rely on the information you enter and on assumed rates of growth and inflation; actual results will vary. Insurance and financial products are offered through licensed professionals. Consult a licensed professional before acting on any result.
A Financial Needs Analysis (FNA) is a structured review of your complete financial picture — what comes in, what goes out, what you owe, what you've protected, and what you're building for retirement. Instead of guessing at how much life insurance you need or whether your savings are on track, an FNA measures the gap between where you are today and where your family needs to be.
Our free financial needs analysis calculator walks you through six short steps and turns your answers into a personalized report you can download and keep. It takes about five minutes, works on any device, and there's no cost and no obligation.
Every income source in your household, normalized to a monthly view so you can see exactly what you have to work with.
Your spending across housing, transportation, food, utilities, and more — the foundation of any realistic plan.
Balances, payments, and interest across credit cards, loans, and your mortgage, so a payoff strategy becomes visible.
Your current coverage measured against what your family would actually need, using the DIME method.
Savings, employer plans, and projected needs — how today's contributions translate into tomorrow's income.
Short, mid, and long-term goals ranked by timeframe, so the roadmap reflects what matters most to you.
DIME is a widely used framework for estimating how much life insurance coverage a family actually needs. It adds up Debt, Income replacement, Mortgage balance, and Education costs to produce a coverage target grounded in your real obligations — not a rule of thumb.
The calculator applies the DIME method automatically to the numbers you enter and shows you any gap between that target and the coverage you already have.
Want to go deeper on anything the analysis uncovers? Explore our life insurance and retirement planning services, or book a free consultation with a licensed professional.
A Financial Needs Analysis is a structured review of your household's income, expenses, debts, insurance protection, and retirement savings. It identifies the gap between where you are today and what your family would need if the unexpected happened, then turns that picture into a personalized financial roadmap.
Yes — the calculator is completely free, and there is no obligation attached. You can complete the analysis, download your personalized PDF report, and decide for yourself whether you'd like to review the results with a licensed professional.
Most people finish in about five minutes. The analysis is organized into six short steps, and you can save your progress at any point and pick up where you left off later.
DIME stands for Debt, Income, Mortgage, and Education — a widely used framework for estimating how much life insurance coverage a family needs. The calculator applies the DIME method automatically to the numbers you enter and compares the result against your current coverage.
A rough idea of your monthly income and expenses, your debt balances, any life insurance coverage you already have, and your retirement savings. Estimates are perfectly fine — you can refine the numbers at any time.
A personalized report covering your monthly cash flow, debt picture, life insurance coverage gap, and retirement outlook. You can download it as a PDF, and if you'd like, review it together with a Strong Capital professional at no cost.
Yes. Your answers are kept confidential and are used only to prepare your analysis and follow up with you about your results. Your information is never sold.