Income Needs Your annual pay       Percentage of annual pay needed to be replaced 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%   Years income will need to be replaced       Expenses Estate tax estimate       Funeral and burial       Mortgage and other debt payoff       Family emergency fund       Children1 Age College Plans Child One None 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 22+ No College Public College Private College Child Two None 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 22+ No College Public College Private College Child Three None 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 22+ No College Public College Private College Child Four None 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 22+ No College Public College Private College Assets Cash and Savings       Retirement Savings       Existing Life Insurance       1Children data used in calculating Social Security benefits and college expenses.

The results and explanations generated by this calculator may vary due to user input and assumptions. Pacific Life Insurance Company does not guarantee the accuracy of the calculations, results, explanations, nor applicability to your specific situation. We recommend that you use this calculator as a guideline only and ultimately seek the guidance of an experienced professional.