Disability Insurance Calculator

Estimates how much disability insurance you may need if illness or injury prevents you from working.

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Income & Expenses

$
$
$
$
24 months

Disability Insurance Needs

$3,600
Recommended Monthly Benefit
Monthly Income Gap$4,500
Total Coverage Needed$108,000
Percent of Income60
Savings Coverage3.3

Disability insurance typically replaces 60% of your income. Your emergency savings would cover approximately 3.3 months of expenses.

How it works›

Model and assumptions. Compares monthly expenses with existing benefits and the available savings runway, then estimates the income gap and coverage target. The replacement percentage is a planning assumption; actual benefit limits, waiting periods, taxes and definitions of disability depend on the policy.Texas DOI: disability insurance