NNomad West Financial
California homebuyer worksheet

How much would your family need to stay in the house?

A transparent way to estimate the life insurance coverage that would keep a household financially whole — the mortgage paid, debts cleared, income replaced. No jargon, no black box. Every number below is yours to change, and the math is shown in full.

Built by Yertai Tanai, a data-analytics professor and California financial professional (insurance license #4472033). New to this? Start with the plain-language guide to coverage after a California home purchase, which explains what each line below means and why the total lands where it does. Once you have a number, the coverage timeline shows how it changes over the years ahead.

Your numbers

$
What's left on the loan. The California statewide median price is roughly $915K–$930K in 2026, so a typical mortgage after a down payment often lands in the $550K–$750K range.
$
Car loans, student loans, credit cards — anything a survivor would still owe.
$
The take-home a household would lose. Used with the years below to size income replacement.
How long the family would need support — often until kids are grown or a mortgage is paid off.
Used to estimate future education costs below.
$
A rough target per child. Adjust for public vs. private plans.
$
Funeral and end-of-life costs, commonly estimated around $10K–$20K.
What reduces the need
$
Any coverage already in place, including through an employer.
$
Money that could be used right away — savings, brokerage, accessible funds.
Estimated coverage to consider
$0

The math, in full

Estimated need $0

Assumed real return3%
Opens a clean one-page summary you can print or save as a PDF — your figures, the full calculation, and the date. No email needed — on a phone, Share sends it straight to Notes or Messages.

Want a second pair of eyes on this?

Send me your figures and I'll tell you whether the number looks reasonable — and what I'd question about it. You'll hear back from me personally, not from a sequence, and never with a pitch.

Thanks — I've got your numbers. I'll be in touch.

Educational estimate only. This worksheet is a simplified needs analysis and does not account for taxes, inflation beyond the optional adjustment, changing circumstances, or any specific product. It is not financial, tax, or insurance advice and does not recommend any particular coverage or company. Figures are illustrative; individual situations vary. Consult a licensed professional before making decisions.