Free Interactive Tool
Income Protection
Calculator
Find out exactly how much coverage you need — and how long your savings would last without it. Takes 60 seconds.
No opt-in · No account · Completely free
How Protected Is Your Income?
Estimates are for educational purposes. For a personalized diagnosis, book a complimentary strategy session.
$
Your current gross annual income
$
Rent, bills, food, utilities
$
Cash available today — not retirement
$
Mortgage, car loans, credit cards
Anyone who depends on your income
Used to estimate protection years needed
Please enter your annual income and monthly expenses to calculate.
Your Income Protection Analysis
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Monthly income at risk
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Months savings would last
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Estimated coverage gap
Your Risk Level
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Full Breakdown
Monthly income—
Monthly expenses + debt—
Monthly surplus / deficit—
Savings runway—
Years to retirement (est.)—
Total protection needed—
Estimated gap—
Disclaimer: All calculations are estimates for educational purposes only and do not constitute financial, legal, or insurance advice. Results are based on the information you enter and general assumptions. Individual results will vary. For a personalized analysis, book a complimentary strategy session with a licensed financial professional.
Now You Know the Gap.
Let's Close It.
The calculator shows you the number. A strategy session with Pauline shows you how to close it — affordably, around your specific situation.