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Insurance calculators

Working out how much cover you actually need is the hard part of insurance shopping. Our calculators size up life insurance, critical illness, income protection, and mortgage life cover based on your real circumstances.

Life insurance needs

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Critical illness

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Income protection

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Mortgage life cover

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About insurance calculators

Insurance cover should reflect your liabilities and dependants, not a round number suggested by an advisor. A common rule of thumb is 10x salary for life insurance, but that ignores your mortgage, childcare costs, and partner's income. These tools start from your real numbers — outstanding debts, monthly outgoings, dependant ages — and produce a sum assured you can quote against. Pair with our salary calculators for income figures.