Deadline to the Breadline

How quickly would your money run out, if anything happened to you or your partner, as a result of long term sickness or injury, critical illness or the death of the main breadwinner?

Use our calculator below to work out how many weeks breathing space you could have, in just a few easy steps.

Monthly household bills

Use the slider below to select how much you spend each month. Not sure?

Click here to do the sums.

Main monthly household bills

Rent or mortgage

Loans / credit cards / debts

Council tax

Utility bills

Telephone / mobile

Food

Other insurances (mobile, car, pet)

TV / broadband

Childcare / school fees

Other child related costs

Car / petrol / travel / other

Total

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Monthly luxuries

Use the slider below to select how much you spend each month. Not sure?

Click here to do the sums.

Monthly luxuries

Socialising

Savings

Magazines / newspapers

Coffee or tea

Snacks

Take away meals

Cigarettes

Taxis

Other

Total

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Click the Help button ? for more information

State benefits ?

State benefits explained

State benefit	Reason claimed	How much paid?	For how long?
Statutory Sick Pay (SSP)	Illness	£94.25 a week	Maximum of 28 weeks
Employment and Support Allowance For example, applies when SSP finishes after 28 weeks	Illness and Disability	For a single person aged under 25 the maximum is £57.90 a week For a single person aged 25 and over the maximum is £73.10	This amount is the maximum paid for the first 13 weeks. The assessment phase rate is paid for the first 13 weeks of your claim while a decision is made on your capability for work through the Work Capability Assessment
Personal Independence Payment (PIP)	Long-term health condition or disability, which includes difficulties with activities related to ‘daily living’ and or mobility.	Personal Independence Payment has two parts called 'components' Care component* – maximum of £87.65 a week Mobility component** – maximum of £61.10 a week Some people will be entitled to get just one component; others may get both.	Depends on circumstances * a care component - if you need help looking after yourself such as managing your medicines or treatments ** a mobility component - if you can't walk or need help getting around
Widowed Parent's Allowance*	Death	£119.90 maximum a week. Must be under State Pension Age. The amount you get is based on how much your late husband, wife or civil partner paid in National Insurance contributions. In some cases, you may be entitled to an additional pension.	Stops if you remarry, live with someone as a couple or your children stop qualifying for Child Benefit.
Bereavement Allowance*	Death	Maximum weekly rate £119.90 Only applies if your husband, wife or civil partner died before 6 April 2017 and under state pension age. You were 45 or over when your husband, wife or civil partner died. You’re under State Pension age, your late husband, wife or civil partner paid National Insurance contributions, or they died as a result of an industrial accident or disease	Up to 52 weeks
Rates correct as at April 2019. * Please note, for the purpose of the calculator we have assumed you will only be eligible for illness related state benefits, or your loved ones will receive either widowed parents or bereavement allowance after your death. We have also excluded Bereavement Payment and Bereavement Support Payment.

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i We’ve pre-selected some benefits below but you can change them if you want to.

State benefits - please select all that could apply.
Click the Help button ? for more information

Statutory sick pay £94.25 a week for first 28 weeks Statutory sick pay £94.25 a week for first 28 weeks. Selecting this option will deselect Widowed parent's or Bereavement allowance if selected

Employment and support allowance (single person).The assessment phase rate is paid for the first 13 weeks of your claim while a decision is made on your capability for work through the Work Capability Assessment. A single person aged under 25. £57.90 a week Employment and support allowance (single person).The assessment phase rate is paid for the first 13 weeks of your claim while a decision is made on your capability for work through the Work Capability Assessment. A single person aged under 25. £57.90 a week. Selecting this option will deselect Widowed parent's or Bereavement allowance if selected

Employment and support allowance (single person).The assessment phase rate is paid for the first 13 weeks of your claim while a decision is made on your capability for work through the Work Capability Assessment. A single person aged 25 and over. £73.10 a week Employment and support allowance (single person).The assessment phase rate is paid for the first 13 weeks of your claim while a decision is made on your capability for work through the Work Capability Assessment. A single person aged 25 and over. £73.10 a week. Selecting this option will deselect Widowed parent's or Bereavement allowance if selected

Personal Independence Payment – care component up to £87.65 a week Personal Independence Payment – care component up to £87.65 a week. Selecting this option will deselect Widowed parent's or Bereavement allowance if selected

Personal Independence Payment – mobility component up to £61.10 a week Personal Independence Payment – mobility component up to £61.10 a week. Selecting this option will deselect Widowed parent's or Bereavement allowance if selected

Widowed parent's or Bereavement allowance – £119.90 maximum a week Widowed parent's or Bereavement allowance £119.90 maximum a week. Selecting this option will deselect any other selected State Benefits

i Please note for the purpose of the calculator we have excluded Bereavement Payment and Bereavement Support Payment.

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Other benefits or income ?

Other benefits

For example, this could be any existing insurance policies or work benefits you may have.

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If you have any other income or benefits click here to do the sums.

Other benefits or income

Work sick pay or weekly benefit

£ Work sick pay or weekly benefit per week

per week for

Number of weeks

weeks

Fixed investment or other income e.g. child benefit

£ Fixed investment or other income e.g. child benefit per week

per week for

Number of weeks

weeks

Existing insurance such as Income Protection

£ Existing insurance such as Income Protection per week

per week for

Number of weeks

weeks

starting at

starting at week number

weeks

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Savings - How much do you have?

Use the slider below to select the amount of savings you currently have.

Increase amount Decrease amount

Calculate your deadline

Your financial picture

Your monthly minimum payment needed is

You could be on the breadline in

How we work this out

Your monthly maximum amount needed is based on your total monthly expenses.

Your deadline in weeks is based on how long your savings would cover your monthly expenses, after allowing for any state benefits or other income/benefits you might receive over a year.

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i This is a guide and should not be considered financial advice.

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