Free Final Expense & Funeral Cost Calculators

Itemize a traditional burial line by line - basic services fee, casket, plot, opening the grave, marker, certificates - and see which lines you can decline.

Estimate cremation costs by service type, urn, niche and extras. Free calculator with the math shown, plus what Social Security actually pays.

The cemetery bills separately from the funeral home. Add up the plot or niche, opening and closing, vault, marker, engraving and endowment fee.

Price a natural burial line by line: shroud or biodegradable casket, grave opening, marker and land fee, then compare it against a conventional burial quote.

Newspaper obituaries are charged by the line, which blindsides families. Price yours by publication, length, photo and run days before you agree to it.

Project what today's funeral cost could become in 10 or 20 years. You set the inflation rate; see the increase and whether a fixed face amount keeps up.

Price burial and cremation side by side with the same service level for both, and see the real gap between them once the ceremony is held steady.

Compare a monthly premium against saving the same money yourself. See the month savings overtake the payout, and when self-funding is the better answer.

Work out the total premiums you would pay, the age at which they equal the death benefit, and how many dollars of benefit each dollar of premium buys.

Three quotes with three different face amounts are not comparable until you divide. Work out the annual cost per $1,000 of coverage for each one.

Work out how much final expense insurance you need. Adds up the funeral, debts and travel, subtracts what your family can actually reach, and rounds to a real policy band.

See what a guaranteed issue policy would really pay if death happens during the graded period, against the full face amount, and how big the shortfall is.

Social Security pays a one-time $255 lump-sum death payment. See what that leaves for a funeral, and whether anyone in your family even qualifies.

See what VA burial benefits cover and what is left for the family. You enter the current allowance amounts from VA.gov and the tool does the arithmetic.

Enter the same line items from two funeral homes' written price lists and see the gap on every line and in total. Your own figures only, no estimates.