Insurance Coverage Gap Calculator
Required cover = present value of annual expenses + debt + other needs − available assets.
Your inputs
Results update as you change the inputs. Currency changes the display, not the exchange rate.
How this calculation works
Required cover = present value of annual expenses + debt + other needs − available assets. Gap subtracts existing cover. Uses a real discount rate and end-of-year support payments.
How do I use this calculator?
Enter your own figures in each labeled field. Review the assumptions above, then compare the result with a second set of inputs. Reset restores the illustrative example values.
Can I save and compare scenarios?
Save a named scenario below. Select up to two saved scenarios to compare with your current result. Saved inputs stay in this browser; clearing browser data removes them.
What is included in an export?
The CSV includes the input assumptions, numeric results and any detailed schedule. Print creates a browser printout. A copied input link contains your entered values, so share it only with people who should see them.
References
Your results
Calculated estimateSaved scenarios
Stored on this device. Select up to two to compare with current inputs.
Detailed breakdown
Monetary columns use the selected currency; percentages and periods are labeled separately. Displayed values are rounded; exports preserve calculation precision.
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Planning estimates depend on your assumptions. Market returns, lender terms and individual tax outcomes can differ.