Income Protection Calculator
Easily find out how much income protection you might need - and what it could cost you.
A quick guide to getting covered
Wondering how much income protection is right for you? Our simple calculator takes the guesswork out of the process. Just pop in a few details about your job, income, and lifestyle, and we'll show you how much cover you might need and what it could cost.
Why use an income protection calculator?
If you're thinking about income protection, it helps to know where to start. That’s where our calculator comes in - with a personalised estimate in minutes.
- It's tailored to your life
The calculator takes your earnings, job type, and monthly expenses into account. Whether you rent, have kids, or work freelance, you'll see how much cover could keep you afloat. - Instant results, no commitment
You don't need to speak to anyone or sign up. Just enter a few honest answers and get a snapshot of your protection needs and the possible costs.
Understanding your options
Getting income protection isn't just about the price - it's about peace of mind and practical planning. The calculator gives you a clearer picture of what cover actually means for your day-to-day life.
- How long you'd need cover for
Some people just want a safety net for 6-12 months, while others want long-term peace of mind. Our calculator helps you explore your options based on sick pay at work and personal savings. - What affects the cost?
Your age, job risk level, and how long you want cover for all play a part. The calculator makes it easy to tweak these and see how your premium changes - so you can find something that fits your budget.
Summing up
Our income protection calculator is one of the easiest ways to get a realistic idea of your options - without the hard sell. It's free, fast, and helps you make smarter decisions about your financial future. If you rely on your income to pay the rent or bills, this is a great place to start.
Frequently Asked Questions
Is the income protection calculator free to use?
Yes, it's completely free. You won't be asked for payment details, and there's no obligation to buy anything. It's designed to give you a quick, honest look at what income protection might cost and how much you may need. Whether you're just curious or planning seriously, this is a pressure-free way to explore your options.
Is the income protection calculator free to use?
Yes, it's completely free. You won't be asked for payment details, and there's no obligation to buy anything. It's designed to give you a quick, honest look at what income protection might cost and how much you may need. Whether you're just curious or planning seriously, this is a pressure-free way to explore your options.
Is the income protection calculator free to use?
Yes, it's completely free. You won't be asked for payment details, and there's no obligation to buy anything. It's designed to give you a quick, honest look at what income protection might cost and how much you may need. Whether you're just curious or planning seriously, this is a pressure-free way to explore your options.
Is the income protection calculator free to use?
Yes, it's completely free. You won't be asked for payment details, and there's no obligation to buy anything. It's designed to give you a quick, honest look at what income protection might cost and how much you may need. Whether you're just curious or planning seriously, this is a pressure-free way to explore your options.
Will it show me my maximum benefit amount?
The calculator gives you an estimate that's likely close to the typical benefit amount you'd be offered. But it might not reflect your exact benefit because this depends on a variety of personal circumstances. Beyond the basic details you enter, the calculator assumes other factors that may influence the result. Make a note of the result and talk to advisors and providers for more granular detail.
Will it show me my maximum benefit amount?
The calculator gives you an estimate that's likely close to the typical benefit amount you'd be offered. But it might not reflect your exact benefit because this depends on a variety of personal circumstances. Beyond the basic details you enter, the calculator assumes other factors that may influence the result. Make a note of the result and talk to advisors and providers for more granular detail.
Will it show me my maximum benefit amount?
The calculator gives you an estimate that's likely close to the typical benefit amount you'd be offered. But it might not reflect your exact benefit because this depends on a variety of personal circumstances. Beyond the basic details you enter, the calculator assumes other factors that may influence the result. Make a note of the result and talk to advisors and providers for more granular detail.
Can I use it if I'm self-employed or on a zero-hours contract?
Definitely. Thousands of self-employed and flexible workers use our calculator to get a clearer picture of their income protection needs. Just enter your average annual income and the calculator will work with that. It's built to reflect real working lives - including gig workers, freelancers, and contractors - so you get results that apply to your individual circumstances.
Can I use it if I'm self-employed or on a zero-hours contract?
Definitely. Thousands of self-employed and flexible workers use our calculator to get a clearer picture of their income protection needs. Just enter your average annual income and the calculator will work with that. It's built to reflect real working lives - including gig workers, freelancers, and contractors - so you get results that apply to your individual circumstances.
Can I use it if I'm self-employed or on a zero-hours contract?
Definitely. Thousands of self-employed and flexible workers use our calculator to get a clearer picture of their income protection needs. Just enter your average annual income and the calculator will work with that. It's built to reflect real working lives - including gig workers, freelancers, and contractors - so you get results that apply to your individual circumstances.
What is a deferred and second deferred period?
A deferred period is the waiting time before your insurance benefits or payments begin after a claim. A second deferred period is an additional waiting period that starts after the first one ends, delaying benefits further. This second period helps manage claims and reduce costs by making sure only longer-term needs are covered.
What is a deferred and second deferred period?
A deferred period is the waiting time before your insurance benefits or payments begin after a claim. A second deferred period is an additional waiting period that starts after the first one ends, delaying benefits further. This second period helps manage claims and reduce costs by making sure only longer-term needs are covered.
What is a deferred and second deferred period?
A deferred period is the waiting time before your insurance benefits or payments begin after a claim. A second deferred period is an additional waiting period that starts after the first one ends, delaying benefits further. This second period helps manage claims and reduce costs by making sure only longer-term needs are covered.
What if the calculator isn't working?
If you're experiencing technical issues with the calculator, start by refreshing the page. Clearing your browser's cache and cookies can also resolve common problems. Make sure your browser is up to date, and try accessing the calculator from a different browser or device if possible. If this doesn't work, please contact our customer support.
What if the calculator isn't working?
If you're experiencing technical issues with the calculator, start by refreshing the page. Clearing your browser's cache and cookies can also resolve common problems. Make sure your browser is up to date, and try accessing the calculator from a different browser or device if possible. If this doesn't work, please contact our customer support.
What if the calculator isn't working?
If you're experiencing technical issues with the calculator, start by refreshing the page. Clearing your browser's cache and cookies can also resolve common problems. Make sure your browser is up to date, and try accessing the calculator from a different browser or device if possible. If this doesn't work, please contact our customer support.
Articles that might interest you
Income protection Insurance for Couples
Because sometimes "in sickness and in health" needs a little backup.
Income protection Insurance for Renters
Protect your income, pay your rent, and keep your lifestyle on track if the door closes on your salary.
Income protection Insurance for Small Business Owners
Protect your income, your independence, and your business with a regular income in tough times.
