Income Protection Calculator

Work out how much income protection cover you need and what it'll cost. Estimate your monthly premium based on your age, salary, occupation and desired benefit level.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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Income Protection provides cover if you can't work due to accident or illness. It does not cover redundancy or unemployment.

Let's check your eligibility first*

You need to work 16 or more hours per week to qualify for Income Protection

Yes, I work 16+ hours per week

No, I work less than 16 hours

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

33p

Per Day*

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

What the Calculator Helps You Work Out

Three numbers that shape every income protection policy.

How Much Cover You Need

Most people aim for 50-70 percent of gross salary — enough to cover essential outgoings like mortgage, bills and food. The calculator estimates the right benefit amount based on your earnings and household commitments.

What It'll Cost Per Month

Premium depends on your age, occupation, smoking status and cover level. The calculator gives an indicative monthly premium so you can balance cover with budget before requesting a full quote.

Right Deferment Period

The deferment period (how long you wait before payments start) significantly affects premium. The calculator helps you match deferment to your employer sick pay or savings buffer — so you only pay for cover you actually need.

Life Insurance Calculator

Work out how much life insurance cover you might need.

How much of your mortgage is still outstanding?

Do you have any loans, credit cards or other personal debt?

What future plans might your family need help with?

e.g., children's education, weddings, home improvements

Will your family need help with funeral costs?

Average UK funeral costs are around £4,000-£6,000

Your estimated life cover need

This is an estimate based on the figures you entered

Ready to find out how much this cover could cost?