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fin.disability-insurance-need Calculator
Calculates the monthly coverage gap and total disability insurance needed from income, existing coverage, and expenses. Disability is far more likely than death during working years — a 35-year-old has a 50% chance of a 90+ day disability before retirement.
Inputs
Monthly Income
Reference formula or conversion factor shown for context.
Existing Coverage
Age in completed years. Many health and fitness formulas adjust for age.
Monthly Expenses
Reference formula or conversion factor shown for context.
Benefit Period Yrs
Time for one complete cycle (s). Period = 1 / frequency. A 50 Hz signal has a 20 ms period.
Results
monthly coverage gap
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.
total benefit needed
The combined total across all inputs and components.
max insurable (60% income)
Sample size or count used in the calculation.
existing coverage
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.