Protect your family
Income Protection
How would your household manage an income interruption?
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Income Needs & Protection Calculator
See the household cash gap if your employment income stops.
Income Needs & Protection Calculator
Enter your own numbers. Use 0 for amounts that do not apply, and tap ⓘ for help.
Household bills you would still need to pay if you could not work: housing, groceries, utilities, debt payments and other ongoing costs.
Reliable household income that would continue, such as your partner's take-home pay. Exclude your stopped earnings and benefits entered below.
Monthly income you expect from benefits such as employer sick pay or disability insurance, after any tax. Check your entitlement and amount. Enter 0 to explore a scenario without benefits if you are unsure.
How many months you would wait before the benefits entered above begin. Check your policy or employer's rules; the example is not a promised waiting period.
How many months you want to explore being unable to work. Any benefits entered are assumed to continue after the waiting period for the rest of this time.
Cash or accessible savings you could use during this time. Do not include credit limits or money you need to keep for other purposes.
Enter your details to see your estimate.
All amounts in Canadian dollars. Results update as you type.
Assumptions and limitations
Continuing costs minus reliable after-tax household income gives the monthly gap before benefits. Benefits reduce that gap only after the waiting period. Totals cover the entered interruption and subtract accessible savings once. A zero gap does not establish adequate insurance. Benefits are user estimates, not eligibility or policy calculations; verify tax treatment, waiting periods, offsets, limits, exclusions and benefit duration. Assumes benefits continue for the rest of the interruption, with no inflation, investment return or changing costs. This is a household cash-flow illustration, not a disability benefit or coverage recommendation.
Educational estimate only. Review your situation before making a financial decision.