Financial decision guide and interactive simulator

Insurance cover calculator

Would existing cover protect the household's actual obligations?

What this calculation is designed to show

Coverage needs may include debt settlement, income replacement, education, final expenses and an emergency buffer. Existing policies and liquid assets reduce the gap, while premium affordability affects whether cover can be maintained.

How to test the decision

Review policy definitions, exclusions, waiting periods and tax treatment with a qualified adviser. The estimate is a planning prompt and cannot replace underwriting or the insurer's contract.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.