How long could you go without income?

Enter the savings you could draw on, your committed monthly outgoings, any sick pay you'd receive and for how long, and any other household income. This works out how many weeks your household could manage, and which deferred periods those figures would see you through. It does not say how much cover to buy: that's a decision for you, your lender or a regulated adviser.

Your household figures

Are you an employee or self-employed?

Savings you could draw on (£)

Monthly committed outgoings (£ a month)

Rent or mortgage, bills, debt repayments and other costs you must pay each month.

For reference, in England, Wales and Scotland, Statutory Sick Pay is the lower of £123.25 a week or 80% of normal weekly earnings, for up to 28 weeks (GOV.UK, read 29 September 2026). Enter your own figure below, as what your employer actually pays may differ.

Sick pay you'd receive (£ a week)

Number of weeks that sick pay would last

Other household income (£ a month)

Income that would carry on regardless, such as a partner's earnings or benefits.