Income gap calculator
How much would be missing each month if illness or disability reduced your income for a while?
For anyone with commitments that cannot be put on hold: loan repayments, rent, child maintenance, family costs. The tool shows what would happen if, for a few months, you received only part of your income.
You will need your net monthly income (from your last payslip), your fixed monthly commitments, the monthly benefit from any disability or income-protection policy and, optionally, your available savings. You also choose a scenario: what share of your income you assume you would keep receiving (70%, 60%, 50% or nothing). It is your own assumption, not a benefit calculation.
Sign in or create a free account to save results and share them with your advisor when you choose.
How to read the result
The main result is the likely monthly gap: your net income minus the income in the scenario and minus your existing cover. Below it you see the gap over all the months you chose, what is left after fixed commitments and how much of the gap your savings would not cover.
If the amount after fixed commitments is negative, your commitments are not covered in this scenario. When there is a gap, the tool shows roughly the monthly benefit that would close it and for how many months your savings would cover it. With that kind of cover, the waiting period and benefit duration matter too.
What you can do next
- Check your sickness-benefit entitlement with Social Insurance Services and what your employer provides.
- See whether your emergency fund would carry you through the first months.
- If you are self-employed, use income protection for the self-employed, which also counts business costs. You can also read the accident and disability guide.
- Book an appointment to discuss disability or income-protection cover.
If you are signed in, you can save the result to My reports and, only if you choose to, send it to your advisor; nothing is shared automatically.
Information, not insurance or financial advice. The scenario percentage is your own assumption, not a calculation of any state or employer benefit. The gap is assumed to be the same every month; tax on benefits and changes in spending during illness are not considered, and savings are assumed to be fully usable.
