Simple calculators
Three quick sums on your own numbers, worked out as you type. Nothing you type leaves this page.
How much cover might you need?
Add up what a lump sum would need to cover while you recover.
How long would your savings last?
See how many months your savings would cover your essential spending.
What is your sick pay gap?
Compare your usual take-home pay with what you would get while off sick.
Filled in with Statutory Sick Pay at its full weekly rate as a monthly figure, from gov.uk (checked 11 November 2026). Change it to what your employer pays.
Start with one simple question
Who needs cover? It takes about two minutes, and there are no medical questions in this form.
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