Some calls are expensive to get wrong.

CallitIQ builds free calculators for decisions where the honest answer takes real arithmetic and nobody you would normally ask is neutral. Calculations run in your browser without uploading the figures you enter. Each tool explains its assumptions and sources, including where estimates or incomplete state rules limit the result.

No signup Financial inputs stay on your device Sources on every page

Before you call

Should I file a homeowners insurance claim?

Compare a possible claim payout with an assumed future premium increase. The surcharge is a scenario you can change, not a prediction of your insurer's renewal price. This weighs the payout against your deductible and the surcharge, and flags the thing almost nobody knows: merely opening a file can land on your claims record for seven years even if you are never paid a cent.

Run the numbers →

After you file

Estimate ACV, replacement cost and depreciation

Your adjuster approved $28,000 and the cheque was $14,900. Use the tool to separate replacement cost, actual cash value and potentially recoverable depreciation. Policy terms, limits and repair documentation determine what is payable.

Work out your payout →

After a storm

What is my hurricane deductible actually costing me?

A percentage storm deductible can be based on your dwelling coverage limit rather than the loss. For example, 2% of $400,000 of coverage is an $8,000 deductible whether the damage is $9,000 or $200,000. This converts the percentage into a dollar figure and shows what the storm trigger costs you against your standard deductible.

Work out the deductible →

Hurt at work

How much does workers' comp pay?

Your state, injury date, covered wages and benefit limits can affect the estimate. A weekly cap can limit the benefit even when wages are higher. Explore the wage cap and a gross benefit estimate. Waiting periods are modeled only where the tool explicitly says so; this is not a determination of benefits owed.

Work out your benefit →

Why these tools exist

On most expensive decisions, everyone you would naturally ask has a stake in your answer. Your insurer pays less when you do not file. Your agent earns on the policy staying in force. A contractor earns on the repair being big. None of them are villains, but none of them are neutral either, and the arithmetic that would settle the question is rarely put in front of you.

So the rule here is simple. The aim is to make every number a tool produces reproducible by hand, the working is shown, and the assumptions link out to the regulator or agency they came from — state insurance departments, the CFPB, the Insurance Information Institute. Where a figure comes from an industry estimate rather than a regulator, the page says so plainly and lets you override it. Where a question genuinely cannot be answered by a calculator, the page says that too.