Your take-home pay after tax and NI
Mortgage/rent, utilities, food, council tax, minimum debts
Total accessible savings (not including investments)
Check your contract — typical is 4-13 weeks
Time before insurance payments start
Smokers pay significantly higher premiums
Your Results
How Our Income Protection Calculator UK Works
Our calculator uses industry-standard formulas to estimate your income protection needs. Here’s what we consider:
1. Income Assessment
We calculate 60-70% of your net income — the typical maximum benefit available from income protection UK policies.
2. Savings Buffer
Your savings divided by monthly outgoings shows how long you can survive without income protection UK cover.
3. Employer Cover Gap
We factor in your employer sick pay to recommend the optimal deferment period for your income protection UK policy.
Income Protection Calculator UK — FAQs
Is this income protection calculator UK accurate?
Our calculator provides estimates based on typical insurer criteria. For an exact quote, speak to one of our FCA-regulated advisers who can access whole-of-market policies.
Does the calculator store my data?
No. Our income protection calculator UK runs entirely in your browser. No personal data is collected until you choose to request a quote.
Why does smoking affect my income protection UK premium?
Smokers face higher health risks, so insurers charge more. Quitting smoking for 12+ months can reduce your income protection UK premium significantly.
What’s the best deferment period for income protection UK?
If you have 3 months employer sick pay, a 13-week deferment is ideal. Self-employed workers often choose 4-week deferment for faster income protection UK support.