Protection Shortfall Calculator
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Household & Financials
Mortgage/rent, utilities, food, childcare, debt repayments, etc.
Income Protection – Policy Inputs
Used to estimate first IP payment date (paid in arrears).
Life Cover – Assumptions
Critical Illness – Assumptions
Income Protection – Assumptions
We’ll recommend a capped monthly benefit based on expenses, other income, employer sick pay and your deferral period.
Family Income Benefit – Assumptions
If children present, term runs to the selected age of the youngest child.
Life Cover – Recommended lump sum
£0
Critical Illness – Recommended lump sum
£0
Income Protection – Recommended monthly benefit
£0
Family Income Benefit – Annual / Monthly
£0 / £0
Estimated first IP payment date (paid monthly in arrears)
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Actual payment date may vary by insurer payment cycle.
Your custom disclaimer
Summary of how we calculate
This tool is for guidance only and not personal advice. Provider caps, definitions and eligibility vary and are subject to underwriting. Income Protection benefits are assumed monthly in arrears. Always read policy documents and seek regulated advice for recommendations.