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Disability income gap calculator

If you get sick or injured, your work benefits likely won’t cover your full salary. See how this could change your income.

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Tell us about your income

Enter your pre-tax (gross) income. We’ll use the average tax rate of 25% for the calculation.

$
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Select the amount of savings you could use to cover expenses if you couldn’t work.

Choose the closest amount

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We’ll use the most common amount (60%) for the calculation.

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Your monthly income drops by $1212 if you’re off work

Good news! Looks like your income is fully covered.

Remember, this result is only an estimate. We recommend talking to an advisor for personalized guidance.

Analyzing your detailsCalculating di
$00.00/month

Regular pay

after tax
$00.0/month

Employer coverage

for 4 months
$00.0/month

How was this calculated?

We estimated your take-home pay at 75% of salary, and employer coverage for 4 months taxed at 25%.

6-month financial projection
Regular pay: $
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Month 2
Month 3
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Month 5
Month 6
Benefits + emergency fund
Covered by your employer benefits and savings
Income gap
Could be covered with additional disability insurance

Ready to take the next step?

Talk to an advisor about how disability insurance can help you bridge the gap.

Book a call with an RBC advisor

Learn more about disbility Insurance

Need help now? Call us at 1-866-262-7918

(Mondays to Fridays, 9am – 5pm EST)

This calculator provides estimates for educational purposes only.

Book a call with an advisor

Review your quote with our licensed RBC advisors to get expert advice on the most suitable coverage based your needs.

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