Family protection calculator
What's your family protection gap?
Protecting a family usually takes more than one policy. This calculator looks at three things at once — the lump sum your family would need, the monthly income you'd want to replace, and your emergency fund — then subtracts what you already have to show where the gaps are.
Your family
What you already have
You appear well covered
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Illustrative estimate only. These figures are a guide based on what you enter — not financial advice, a recommendation, or a quote. Your circumstances may differ. A separate, FCA-regulated adviser provides all advice. Cover Your Family is not FCA regulated.
How this family protection calculator works
It combines three separate questions into one view. The lump-sum gap covers debts and income replacement (the job of life insurance). The monthly income gap is what income protection would replace if you couldn't work. The emergency fund gap is cash savings, not insurance — your first line of defence for short setbacks.
To go deeper on any one area, use the focused life insurance calculator or income protection calculator.
FAQ
Common questions
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