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Income Protection Estimator

How much monthly benefit would cover your commitments.

100% FreeRuns instantlyNo watermark
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  1. 1Enter detailsAdd the numbers for your scenario.
  2. 2CalculateVootkit updates the result instantly.
  3. 3ReviewCheck totals, notes and breakdowns.
Private by designProcessed on your device where possible.
Works on any deviceDesktop, tablet and mobile browsers.
No installationOpen the page and start working.
Always free coreUse the free plan for everyday tasks.

How to use Income Protection Estimator

Enter details

Add the numbers for your scenario.

01
Calculate

Vootkit updates the result instantly.

02
Review

Check totals, notes and breakdowns.

03
Use result

Copy the answer into your workflow.

04

Your files stay private

Your work is processed locally in your browser where possible and is never added to a Vootkit upload library.

Learn more about privacy
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Being unable to work for months is more likely than dying young, and far less commonly insured. The number that matters is not your salary — it is what your household must cover each month regardless.

What Income Protection Estimator does

Compares essential monthly outgoings against take-home pay and any employer sick pay, to show the shortfall a policy would need to cover. Defaults to 3,400 take-home against 2,400 essentials.

It works from essentials rather than income, because that is what has to be met — and insuring your full salary is usually neither possible nor necessary.

What goes in

Monthly take-homeDefault 3,400
Essential outgoingsDefault 2,400 — the number that matters
Employer sick payIn months — the deferred period should match
ReturnsThe monthly shortfall to cover
Typical policy capAround 50–70% of gross income
Deferred periodLonger wait = cheaper premium
Not countedState benefits, savings, partner’s income
Is this advice?<strong>No</strong>

Detailed steps

  1. Work out genuine essentials — housing, food, utilities, debt, insurance.
  2. Find out exactly how long your employer pays sick pay, and at what rate.
  3. Match the policy’s deferred period to where that runs out. See the tip.

Worth knowing

Set the deferred period to start when your employer sick pay ends, not immediately. Paying for cover during months you would still be paid is money wasted, and a longer wait reduces the premium substantially — often by more than people expect. Find the exact number of months in your contract first; assumptions here are expensive in both directions.

Frequently Asked Questions

Why calculate from essentials rather than salary?

Because essentials are what must be met, and policies typically cap at 50–70% of gross income anyway — insuring the full amount is usually not on offer. Working from outgoings gives a number you can actually buy.

What is a deferred period?

The wait between being unable to work and the policy paying. Longer is cheaper. The right length is usually exactly where your employer sick pay stops, so you are never paying for overlap or facing a gap.

Is this the same as critical illness cover?

No. Income protection pays a monthly amount while you cannot work, whatever the cause. Critical illness pays a lump sum on diagnosis of specific listed conditions. They solve different problems and many people hold both.

Should I buy this?

That depends on your savings, your employer benefits, your state entitlements and your household — none of which this can see. It sizes the gap; an adviser can tell you how to fill it.

Is Income Protection Estimator free?

Yes. The Vootkit free plan includes 5 tool runs a day. Upgrade to Vootkit Pro for unlimited daily use, an ad-free workspace and saved workflows.

Are my files uploaded?

No. Income Protection Estimator runs entirely in your browser — your file is processed on your own device and never sent to a server. There is nothing for us to store or delete.

Do I need to install anything?

No. Income Protection Estimator works in any modern browser on desktop, tablet or phone. Open the page and start.

How often can I use it? Is there a daily limit?

On the free plan you get 5 tool runs a day. When you reach the limit you'll see a prompt to upgrade, and it resets the next day. Vootkit Pro removes the cap entirely for unlimited daily use.

This tool processes everything locally in your browser. You can disconnect from the internet after the page loads and it will still work.