UK income protection calculator
UK income protection pays a tax-free monthly income if illness or injury stops you working — typically replacing 50–65% of your gross salary. Work out how much cover you need below.
Recommended benefit
£3,600.00/mo
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How this estimate is calculated
We multiply your gross monthly income by your chosen replacement ratio and subtract any existing cover. UK personal income protection benefits are paid tax-free, which is why cover is capped below gross salary (~60% ≈ take-home). Actual policies vary by deferred period and benefit term. Authoritative bodies: FCA, ABI, MoneyHelper.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- MoneyHelper (MaPS, UK gov-backed) — What is income protection insurance? (2026)
- Association of British Insurers (ABI) — Income protection (2026)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.