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.

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

Click here to do the sums.

 

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

Click here to do the sums.

 

Monthly luxuries
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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.

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

What are you eligible for?

 

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
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 25 and over. £73.10 a week
Personal Independence Payment – care component up to £87.65 a week
Personal Independence Payment – mobility component up to £61.10 a week
Widowed parent's or Bereavement allowance – £119.90 maximum a week

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

Other benefits or income ?

 

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

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

 

Other benefits or income

Work sick pay or weekly benefit

£
per week for
weeks

Fixed investment or other income e.g. child benefit

£
per week for
weeks

Existing insurance such as Income Protection

£
per week for
weeks
starting at
weeks

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

Your financial picture



 

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.

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