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    <title>DoCalc Blog</title>
    <link>https://docalc.net/blog/</link>
    <description>Plain-language explainers behind every calculator — what the numbers mean, what's a good benchmark, and how to actually improve yours.</description>
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    <lastBuildDate>Sun, 09 Aug 2026 00:00:00 GMT</lastBuildDate>

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      <title>How Much Does Life Insurance Cost? Rates by Age, Gender, and Health</title>
      <link>https://docalc.net/blog/how-much-does-life-insurance-cost</link>
      <guid>https://docalc.net/blog/how-much-does-life-insurance-cost</guid>
      <pubDate>Sun, 09 Aug 2026 00:00:00 GMT</pubDate>
      <description>A full term life rate table by age, gender, and health class, plus a worked example.</description>
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    <item>
      <title>COBRA Insurance Cost: Why It's So Expensive (The 102% Rule)</title>
      <link>https://docalc.net/blog/cobra-insurance-cost-explained</link>
      <guid>https://docalc.net/blog/cobra-insurance-cost-explained</guid>
      <pubDate>Sun, 09 Aug 2026 00:00:00 GMT</pubDate>
      <description>The federal 102% rule behind COBRA pricing, a worked example, and cheaper alternatives.</description>
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    <item>
      <title>Medicare Supplement: Plan G vs Plan N in 2026</title>
      <link>https://docalc.net/blog/medicare-supplement-plan-g-vs-plan-n</link>
      <guid>https://docalc.net/blog/medicare-supplement-plan-g-vs-plan-n</guid>
      <pubDate>Sun, 09 Aug 2026 00:00:00 GMT</pubDate>
      <description>What Plan G and Plan N each cover, and which fits your budget.</description>
    </item>

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      <title>Do You Need Flood Insurance? What Your Home Policy Doesn't Cover</title>
      <link>https://docalc.net/blog/do-you-need-flood-insurance</link>
      <guid>https://docalc.net/blog/do-you-need-flood-insurance</guid>
      <pubDate>Sun, 09 Aug 2026 00:00:00 GMT</pubDate>
      <description>Who actually needs flood insurance, and what it costs under FEMA's Risk Rating 2.0.</description>
    </item>

    <item>
      <title>How Much Does Long-Term Care Cost? 2025 Data by Care Type</title>
      <link>https://docalc.net/blog/long-term-care-cost-2025</link>
      <guid>https://docalc.net/blog/long-term-care-cost-2025</guid>
      <pubDate>Sun, 09 Aug 2026 00:00:00 GMT</pubDate>
      <description>2025 Genworth Cost of Care Survey figures for home care, assisted living, and nursing homes.</description>
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    <item>
      <title>Final Expense Insurance: How Much Coverage Do You Need?</title>
      <link>https://docalc.net/blog/final-expense-insurance-coverage</link>
      <guid>https://docalc.net/blog/final-expense-insurance-coverage</guid>
      <pubDate>Sun, 09 Aug 2026 00:00:00 GMT</pubDate>
      <description>National funeral cost medians and how to size final expense coverage.</description>
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      <title>Pet Insurance Cost Guide: Is It Worth It for Your Dog or Cat?</title>
      <link>https://docalc.net/blog/pet-insurance-cost-guide</link>
      <guid>https://docalc.net/blog/pet-insurance-cost-guide</guid>
      <pubDate>Sun, 09 Aug 2026 00:00:00 GMT</pubDate>
      <description>What pet insurance actually costs, and how to tell if it's worth it.</description>
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      <title>What's a Good Churn Rate for SaaS? Benchmarks by Segment</title>
      <link>https://docalc.net/blog/good-churn-rate-for-saas</link>
      <guid>https://docalc.net/blog/good-churn-rate-for-saas</guid>
      <pubDate>Sat, 08 Aug 2026 00:00:00 GMT</pubDate>
      <description>Benchmarks by customer segment, the exact formula, and the fastest levers for lowering your SaaS churn rate.</description>
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      <title>When Should You Refinance Your Mortgage? The Break-Even Rule</title>
      <link>https://docalc.net/blog/when-to-refinance-your-mortgage</link>
      <guid>https://docalc.net/blog/when-to-refinance-your-mortgage</guid>
      <pubDate>Sat, 08 Aug 2026 00:00:00 GMT</pubDate>
      <description>The break-even formula that tells you whether refinancing actually pays off, plus a worked example.</description>
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      <title>How Much Do You Need to Retire? A Practical Framework</title>
      <link>https://docalc.net/blog/how-much-do-you-need-to-retire</link>
      <guid>https://docalc.net/blog/how-much-do-you-need-to-retire</guid>
      <pubDate>Sat, 08 Aug 2026 00:00:00 GMT</pubDate>
      <description>The 4% rule, the 25x savings target, and how to turn your target retirement income into a real number.</description>
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      <title>Debt Snowball vs Avalanche: Which Payoff Method Wins?</title>
      <link>https://docalc.net/blog/debt-snowball-vs-avalanche</link>
      <guid>https://docalc.net/blog/debt-snowball-vs-avalanche</guid>
      <pubDate>Sat, 08 Aug 2026 00:00:00 GMT</pubDate>
      <description>Which debt payoff method saves more money, and which one actually keeps you motivated.</description>
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      <title>15-Year vs 30-Year Mortgage: Which Should You Choose?</title>
      <link>https://docalc.net/blog/15-year-vs-30-year-mortgage</link>
      <guid>https://docalc.net/blog/15-year-vs-30-year-mortgage</guid>
      <pubDate>Sat, 08 Aug 2026 00:00:00 GMT</pubDate>
      <description>A worked comparison of monthly payment, total interest, and which mortgage term fits your situation.</description>
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      <title>How Much House Can You Afford? The 28/36 Rule Explained</title>
      <link>https://docalc.net/blog/how-much-house-can-you-afford</link>
      <guid>https://docalc.net/blog/how-much-house-can-you-afford</guid>
      <pubDate>Sat, 08 Aug 2026 00:00:00 GMT</pubDate>
      <description>The rule lenders use to size a mortgage to your income, a worked example, and the costs it leaves out.</description>
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      <title>Which SaaS Metric Should You Check When? A Founder's Comparison Guide</title>
      <link>https://docalc.net/blog/saas-metrics-comparison</link>
      <guid>https://docalc.net/blog/saas-metrics-comparison</guid>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
      <description>MRR, CAC payback, LTV:CAC, churn, burn rate, Rule of 40 — a side-by-side guide to which SaaS metric answers which question, and how often to check each one.</description>
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    <item>
      <title>The Rule of 40, Explained for Non-Finance Founders</title>
      <link>https://docalc.net/blog/rule-of-40</link>
      <guid>https://docalc.net/blog/rule-of-40</guid>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
      <description>Why investors care about this one number more than almost any other — the formula, current benchmarks, and how to actually move your score.</description>
    </item>

    <item>
      <title>What's a Good CAC Payback Period in 2026?</title>
      <link>https://docalc.net/blog/cac-payback-period</link>
      <guid>https://docalc.net/blog/cac-payback-period</guid>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
      <description>Benchmarks by company stage and deal size, the exact formula, and how to shorten yours without starving growth.</description>
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    <item>
      <title>MRR vs ARR: What's the Difference and When to Use Each</title>
      <link>https://docalc.net/blog/mrr-vs-arr</link>
      <guid>https://docalc.net/blog/mrr-vs-arr</guid>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
      <description>A practical explainer for founders reporting revenue to investors — the exact formula, a side-by-side comparison, and the mistakes that quietly distort both numbers.</description>
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