How this calculator works
The yearly premium savings from the higher deductible are compared with the extra you'd pay if you file a claim. Break-even is that extra divided by the yearly savings. Expected cost adds the premium to the deductible times your chance of a claim.
Worked example
With the example values below: Higher deductible saves, $250 / yr (break even if you go 2.0 years without a claim). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Lower deductible | |
| Deductible | $500 |
| Annual premium | $1,900 |
| Higher deductible | |
| Deductible | $1,000 |
| Annual premium | $1,650 |
| Your risk | |
| Chance of a claim in a year | 10% |
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.