Disability Income Needs Calculator

The following tool provides an estimate of your income protection needs. As you enter your information, the calculator will update automatically to reflect your input. The final field represents an estimate of your monthly income surplus/shortfall should you be unable to work due to illness or injury. For a more comprehensive assessment, consult with an insurance professional or financial representative.

Note: Enter all values as whole numbers. Please do not use $, commas or decimal points.
Total Monthly Income
Your net monthly income (income after taxes):	=
Partner's net monthly income:	= +
Monthly investment income:	= +
Other monthly income:	= +
Total income per month:	= $
Total Monthly Expenses
Mortgage/rent per month:	=
Utilities per month (electricity, water, gas):	= +
Auto, homeowner's, medical and/or dental insurance per month:	= +
Transportation costs per month (gas, maintenance, car payments):	= +
Grocery/food shopping per month:	= +
Child care/elder care expenses per month:	= +
Loans/credit card payments per month:	= +
Other monthly expenses:	= +
Total monthly expenses:	= $
Total Monthly Contributions For Future Planning
Education savings contributions per month (tuition/college savings):	=
Retirement savings contribution per month:	= +
Savings/investment contributions per month:	= +
Vacations/major purchases/other contributions per month:	= +
Total monthly contributions:	= $
Your Total Expenses and Contributions	= $

Your Estimated Disability Income Needs
Total monthly income surplus/shortfall:	= $
Total monthly income surplus/shortfall if you were injured or ill and unable to work:	= $

This calculator provides only an estimate of your income protection needs. This should not be viewed as a comprehensive assessment. For a detailed analysis, you should consult with your insurance professional or financial representative.