Disability Insurance Needs Calculator
Last updated: October 15, 2026
Estimate the monthly disability-income benefit and waiting-period cash reserve you may need.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated monthly coverage gap
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- Target monthly benefit: —
- Existing monthly benefit: —
- Waiting-period cash gap: —
- Annual income protected by added coverage: —
On this page
Quick summary: Estimate the monthly disability-income benefit and waiting-period cash reserve you may need.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate the monthly disability-income benefit and waiting-period cash reserve you may need.
How to use it
Enter Current monthly income ($); Target income replacement (%); Existing monthly disability benefit ($); Waiting period before benefits (months); Savings available during waiting period ($). Select Calculate to update the results.
How the calculation works
The target benefit is monthly income multiplied by the desired replacement percentage. Existing benefits reduce the gap, while savings reduce the waiting-period cash need.
Worked example: starting scenario
| Current monthly income ($) | 8000 |
|---|---|
| Target income replacement (%) | 60 |
| Existing monthly disability benefit ($) | 1000 |
| Waiting period before benefits (months) | 3 |
| Savings available during waiting period ($) | 10000 |
| Estimated monthly coverage gap | $3,800.00 |
|---|---|
| Target monthly benefit | $4,800.00 |
| Existing monthly benefit | $1,000.00 |
| Waiting-period cash gap | $14,000.00 |
| Annual income protected by added coverage | $45,600.00 |
Important limitations
Insurers use definitions of disability, benefit caps, taxes, occupation classes, elimination periods and underwriting rules that this planning estimate does not model.