Income Protection Calculator
See how much income protection you might need and understand the gap between your expenses and existing cover.
£40,000
£15k£200k
£2,000
£500£10k
60% of income
30%70%
Most insurers cap benefit at 50-70% of gross income
£0
£0£5k
Monthly income
£3,333
Benefit at 60%
£2,000
Monthly cover needed
£2,000/month
This would cover your essential monthly expenses
What to consider
- •Deferred period — how long before benefits start (typically 4-52 weeks)
- •Own occupation vs any occupation definition
- •Whether benefits increase with inflation
- •Employer sick pay — how long does it last?
This is a simplified estimate. Your actual needs depend on your full financial situation, employer benefits, savings, and personal circumstances. Speak to a protection adviser for a personalised recommendation.
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