Dynamic DIME Model

The Debt, Income, Mortgage, Education. Four buckets that add up to what your death would cost the people who rely on you. Offsets come off that total. The remainder is the gap. assesses your true financial obligation and subtracts your liquid assets to find the exact gap. Use the inputs to see how life stages shift the math.

Your Age

years

Monthly Household Income

₱

Enter your monthly income — every number below is calculated from it.

Your Share of That Income

How much of the household income you personally earn. Only your share needs replacing — a partner's income continues.

Essentials, Per Adult35%

The share of your income needed to cover one adult's essential living costs — not the household total. Each additional dependent adds to this on the OECD-modified equivalence scale, so a larger household needs more, and the requirement falls as dependents age out.

Outstanding Debt & Mortgages

₱

Life Cover You Already Have

₱

Face amount of policies you bought yourself. Employer group life and SSS/GSIS sit in the toggles below — do not double-count them here.

Liquid Savings & Offsets

₱

Child's Current Age

Models one representative child — years of support and education cost both scale off this age. Multiple children with different ages: use the Guided Assessment instead.

Target University Tier

Financial Dependents

ChildrenPartnerParentsSiblingsNone

Years of Support — Partner

Default assumes longer support than parents — a partner typically has more remaining earning years ahead. Adjust per household.

Not legally married. Live-in and same-sex partners still get the income math. SSS and GSIS death pensions do not — they require a legal spouse.

Include Employer Group LifeInclude Statutory (SSS/GSIS)

Total Gross Need₱ 0

Existing Offsets₱ 0

Net Protection Gap₱ 0

Recommended Cover₱ 0

The gap rounded up to the nearest ₱100,000. Policies are not sold to the peso — this is the figure to quote, not the figure to reconcile.

Cover You Already Have₱ 0

Own policies + employer group life + statutory death benefits. Cash savings sit with offsets, not here.

How Much You Still Need₱ 0

Gross need minus every offset, including the cover above.

Also show the income-multiple rule of thumb

THE BUILDER

Professor's Strategy Note

View mathematical assumptions

This is an estimate, not financial advice. Consult a licensed professional before making a coverage decision.

Dynamic DIME Model

Professor's Strategy Note

Financial Archetypes Map

Select a Profile

The Free Agent