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Family Protection Calculator

Clear, practical guidance to help you take the next step.

Free family planning tool

How much financial protection could your family need?

Estimate the money your household may need for debts, everyday living and future costs if you were no longer there to provide for them. No personal details are required.

Your estimate

Build your family protection figure.

Use rounded figures if you are unsure. You can change the numbers and calculate again as often as you like.

The balance you would want repaid.
The yearly take-home amount your household may need.
How long the replacement income may be needed.
Future childcare, school or university support.
Include other one-off family commitments.
Personal or workplace life insurance already in place.
Only include savings you would be comfortable allocating to this need.
Important: This calculator gives a simple illustrative estimate. It does not account for inflation, investment returns, tax, state benefits or every individual circumstance.
What the result means

A starting point, not a recommendation

The estimate helps you identify possible commitments. A suitable amount of cover depends on your full circumstances.

Existing cover matters

Workplace benefits, current policies and available savings can reduce the gap, but their terms and availability should be checked.

Affordability matters too

A regulated adviser can balance the protection you want with your budget, eligibility and available policy options.

Turn your estimate into a real conversation.

Request a free quote and speak with a protection adviser about your needs and budget. There is no obligation to proceed.

Start your free quote