To provide an insurance plan calculation device preparing an insurance plan capable of obtaining appropriate security state and saving state with a small insurance premium.

The insurance plan calculation device 10 calculates the insurance plan indicating the insurance premium to be paid at each point of time along a time base. An insurance plan calculation part 30 calculates the insurance plan of the security insurance premium of a security type insurance and the saving insurance premium of a saving type insurance. As the plan for which a saving money amount plays the role of security, the calculation part 30 calculates the insurance plan for which the security insurance premium is reduced by expecting the saving money amount by the accumulation of the saving insurance premiums until then as a part of a security money amount at the point of time and the saving insurance premium is increased by transferring the reduced amount to the saving insurance premium at each point of time on the time base and the reduced amount of the security insurance premium and the increased amount of the saving insurance premium are applied to each point of time of an insurance premium paying period. Further, the calculation part 30 calculates the plan for which the security insurance premium is reduced and the saving insurance premium is reduced corresponding to the reduction of a requested security money amount due to time lapse.