Income protection calculator
Calculate how much cover you may need to protect your income if you cannot work due to illness or injury.
Your details
Your cover summary
Estimate how much income you may need to protect
Use our income protection calculator to estimate how much cover you may need if illness or injury stops you from working.
Your result can help you think about the monthly income you would need to cover essential costs, such as your mortgage or rent, bills, food, travel and family commitments.
Income protection is designed to replace part of your income if you cannot work due to illness or injury. The right level of cover can depend on your earnings, savings, sick pay, employment benefits, monthly outgoings and how long you could manage without income.
How an income protection calculator can help
Check your monthly shortfall
See how much income you may need each month if your salary stopped due to illness or injury.
Plan around essential costs
Link your cover amount to everyday commitments, such as your mortgage, rent, bills, food and family costs.
Prepare before comparing cover
Get a clearer starting point before reviewing waiting periods, benefit amounts, policy terms and provider criteria.
Compare protection options with expert advice
Muttuo can help you compare protection options, review your monthly outgoings, check waiting periods and shape cover around your income, work, family and mortgage commitments.
Rated Excellent by UK homeowners
Your income protection calculator questions answered
What does an income protection calculator show?
An income protection calculator estimates how much monthly cover you may need if illness or injury stops you from working.
It can help you compare your income, essential outgoings, savings and workplace benefits before choosing a level of cover.
How much income protection cover do I need?
The right amount depends on your income, bills, mortgage or rent, family commitments, sick pay, savings and lifestyle.
Many people start by working out their essential monthly costs, then checking how much income would be needed to cover them if they could not work.
Does income protection replace my full salary?
Usually, no. Income protection normally replaces a percentage of your income, rather than the full amount.
The maximum benefit can vary between insurers, and your cover amount may depend on your earnings and policy terms.
What is a waiting period?
A waiting period is the amount of time between becoming unable to work and your policy starting to pay out.
A longer waiting period may reduce the cost of cover, but it means you would need savings, sick pay or other support to bridge the gap.
Is income protection worth it if I get sick pay?
It can still be worth considering.
Sick pay may only last for a set period or may not cover your full income. Income protection can be shaped around your sick pay, so the policy starts when your employer support reduces or ends.
Does income protection cover redundancy?
No. Income protection is usually designed to pay out if you cannot work because of illness or injury.
It does not normally cover redundancy, unemployment or voluntary career changes.
Your results are for guidance only
Your results are for guidance only and are based on the information you enter. They are not an insurance quote, policy recommendation or financial advice.
The right level of income protection may depend on your income, employment status, occupation, health, sick pay, savings, monthly outgoings, policy term, waiting period and insurer criteria.
Income protection policies vary by provider. Exclusions, limits, waiting periods and definitions of incapacity can apply, so you should read policy documents carefully before choosing cover.
Muttuo does not provide tax or legal advice. The tax treatment of protection policies can depend on your circumstances and may change in the future.