I'll share the resources here (since you prefer not to go through a financial consultant) but I need to highlight that having a standardised calculator wouldn't be as good as having a human touch to the calculations. You won't know your blindspot unless someone points out to you. If you are to run through the calculations by yourself, be sure to have an experienced and trusted family or friend to check that the assumptions you make are right and that you're not biased in the assumptions or miss out any critical variable for consideration. LIA also has a neat calculator that you can use. You may like to take Life Insurance Association's (LIA) rule of thumb (see link for the assumptions that make up the rule of thumb), which goes as follows: - Death coverage should be 10 times annual income, e.g. if your annual income is $40,000, then your death coverage should be $400,000 - Critical illnesses coverage should be 5 times annual income, e.g. if your annual income is $40,000, then your critical illnesses coverage should be $200,000 Hope this information helps!