Disability Insurance Needs Calculator

Calculate how much disability coverage you may need to replace income during an inability to work.

Disability insurance typically replaces 60% of gross income during periods when you cannot work due to illness or injury. This calculator determines how much additional coverage you may need beyond existing policies. The tool also considers your emergency savings runway, showing how long current savings could cover essential expenses. Most financial advisors recommend disability coverage that, combined with savings, provides adequate protection.

Calculator

$
$
months
%
Additional Monthly Coverage Needed
$3,600
Target Replacement (60%)
$3,600/mo
Existing Coverage
$0/mo
Coverage Gap
$3,600/mo
Savings Runway
4 months

Common use cases

  • 60% income replacement is the standard target for disability coverage
  • Employer-provided coverage may have limitations on benefit periods
  • Does not account for waiting periods before benefits begin
  • Tax treatment of benefits depends on how premiums were paid

This tool provides general informational estimates and is not insurance advice or a quote.