My Mortgage & Protection Experts

Financial Resilience Calculator

How resilient are your household finances?

An unexpected illness or injury could stop you working for weeks, months, or even years. This calculator helps you understand how long your household finances could cope and whether there may be a need for additional protection.

Use our Financial Resilience Calculator to discover:

  • How long employer sick pay could support you
  • When a financial shortfall may occur
  • How long your savings could last
  • The potential impact on your household finances
  • Whether income protection could help protect your lifestyle and family

Disclaimer

This calculator is provided for illustrative purposes only and is not financial advice. The results produced are based solely on information entered by you and do not take account of all factors which may be relevant when considering Income Protection insurance or other protection products. A personalised recommendation should always be obtained before taking out any insurance policy.

Section 1

Applicant details

Tell us who the household income belongs to.

Applicant 1

£ per calendar month, after tax

Section 2

Employer sick pay

Employer sick pay is often the first line of defence — and usually shorter than people expect.

Applicant 1
Enter full-pay period in

Does your pay reduce after this period?

Section 3

Household savings

Include cash savings and easy-to-access funds available for emergencies.

Section 4

Essential household costs

The bills that would still need paying if your income stopped.

Advisory note: It is advised to complete the breakdown of costs as often many household expenditure costs get overlooked and can lead to a misleading report and potentially lack of cover. Full breakdown recommended.

Total essential costs£0

Section 5

Lifestyle costs

The spending that makes life enjoyable — and that you'd rather not lose.

Total lifestyle costs£0

Section 6

Monthly expenditure

Total essential spending£0
Total lifestyle spending£0
Total monthly spending£0
Current total household income£0

Get your personal Financial Resilience Report

Your figures are ready. Tell us where to send your report and your full results appear straight away — it takes about 10 seconds.

  • Your month-by-month cashflow while sick pay reduces and stops
  • How quickly your savings could be depleted, shown as charts
  • The point at which income protection could step in, plus your resilience score

Where your report is sent — please check it's correct.

So an adviser can talk your figures through with you if you'd like them to.

How would you like your report?

No spam. Your details are used only to send your report and discuss your protection arrangements, and you can ask us to stop at any time.