TestTalkHQ — Office & Insurance Tools
Office Tools.
Get The Number.
Lightweight planning calculators for percentage math, P&C insurance conversations, payroll, and loans. No registration, no paywalls.
Eleven client-side tools for agents and office use. Each card opens a two-panel calculator — inputs on the left, results on the right — without WeldKit/VoltKit banners or product grids.
Percentage Calculator
Percentage increase from starting to final value, plus percent-of, what-percent-is, and percent change.
Open Tool →Coinsurance Penalty Calculator
Estimate required insurance, the coinsurance penalty factor, and claim payout after underinsurance.
Open Tool →Replacement Cost Estimator
Rough dwelling replacement-cost planning estimate from square footage, construction type, and editable per-sq-ft rates.
Open Tool →ACV vs Replacement Cost
Compare straight-line Actual Cash Value to full replacement cost and show the dollar gap between them.
Open Tool →Umbrella Policy Threshold
Conversation-starter estimate of how far assets and income sit above current auto liability limits.
Open Tool →Bundling Discount Estimator
Rough bundled-premium savings using an editable example discount rate you can match to a carrier.
Open Tool →Pro-Rata Refund Calculator
Estimate unearned premium and cancellation refunds with pro-rata or editable short-rate penalty.
Open Tool →Business Interruption Estimator
Rough BI loss from monthly revenue, continuing expenses, and estimated shutdown days.
Open Tool →Markup vs Margin Calculator
Solve from margin or markup and see selling price, both percentages, and dollar profit side by side.
Open Tool →Payroll Overtime Calculator
Regular pay, OT pay, gross, and optional blended-rate overtime with an editable multiplier.
Open Tool →Loan Amortization Calculator
Monthly payment, total interest, and a 12-row sample amortization schedule for fixed-rate loans.
Open Tool →Disclaimer: Outputs are estimates for internal planning and client conversations only. They are not official quotes, appraisals, legal advice, or financial advice.