If a disability stopped your paycheck, would your coverage be enough? Find the gap.
A disability income calculator estimates the monthly gap between your essential expenses and the income you'd still have if a disability stopped your paycheck.
A long-term disability is more common during a working career than many expect, yet disability insurance is often overlooked. If illness or injury stopped your income, employer or personal coverage typically replaces only part of it, commonly 40-60%, which may fall short of your essential bills. The gap is what this calculator surfaces.
Compare your essential monthly expenses with the income you'd have from existing coverage and any other sources. A common target is replacing 60-70% of income, since benefits from employer-paid policies can be taxable while those from policies you pay for yourself usually aren't. Closing a gap may mean adding private coverage or building a larger emergency fund.
Enough to cover essential expenses if your income stopped, often 60-70% of income. Compare your expenses to existing coverage above.
Benefits from employer-paid coverage are often taxable; benefits from a policy you pay for yourself are usually tax-free. That affects how much you need.
A disability during your career can stop your income for months or years. Coverage protects your ability to pay essential bills.
See the exact formula and a worked example on our methodology page.