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Sick Pay Gap Calculator

Clear, family-first guidance to help you take the next step.

FREE PLANNING TOOL

See how long your household can manage without your full income.

See your estimated gap while sick pay is available, what happens when it ends and how long your savings will cover the shortfall. Your figures stay in your browser and are not sent to us.

Mortgage or rent, bills, food, childcare and essential commitments.
Use your employer’s figure or your best current estimate.
Enter 0 if you expect no sick pay or continuing income.
Only include savings you would be prepared to use.
Try 3, 6, 12 or 24 months.
A useful starting point, not personal advice. This illustration uses only the figures you enter. It does not include tax, inflation, state-benefit eligibility, policy limits or future changes to household spending.

Three figures worth checking today

  • How much: the amount your employer would actually pay you
  • How long: when that sick pay reduces or stops
  • What remains: how much of your essential spending would still be uncovered

See how income protection works or read about private sick pay for self-employed fitness professionals.

Would a longer illness leave an income gap?

Tell us what you want to protect and choose when you would like to be contacted. There is no obligation to proceed.

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This tool provides a simple illustration and is not personal financial advice. Any insurance is subject to eligibility, underwriting, provider rules and policy terms. ActiveJoe is operated by Tailored Life Solutions Ltd. Regulated advice is provided by Tailored Life Solutions Ltd advisers.

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