Disability Insurance Need Calculator
Calculate how much disability insurance you need to replace lost income during a disability.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Gap = Expenses − Existing Coverage; Elimination period based on emergency fund
Disability is 3-4× more likely than early death. 60-70% of income replacement is the standard DI benefit target.
Frequently Asked Questions
How much disability insurance do I need?
Most DI policies pay 60-70% of your pre-disability income. Add enough to cover monthly expenses minus any government benefits (SSDI).