Start free

Insurance & Protection · Life & Disability

Disability Insurance Calculator

Estimate the monthly disability benefit you need to replace income if you cannot work.

  • Free to use here · embed on the Business plan
  • 5 inputs · 5 results
  • English & Spanish

Try the Disability Insurance Calculator

See the disability coverage you need — results update as you type.

Loading the live calculator…

Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Disability Insurance calculator works out

The Disability Insurance Calculator is a free, embeddable calculator from CalcFunnel. Estimate the monthly disability benefit you need to replace income if you cannot work.

You enter 5 inputs: monthly income, income to replace (%), existing disability benefit, other monthly income and monthly essential expenses.

It returns additional coverage needed, target monthly benefit, income available during disability, monthly essential expenses and shortfall vs expenses (before new coverage).

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01Additional Coverage Needed
  2. 02Target Monthly Benefit
  3. 03Income Available During Disability
  4. 04Monthly Essential Expenses
  5. 05Shortfall vs Expenses (before new coverage)

The first figure — additional coverage needed — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Income & Target

Monthly Income
Your current gross monthly income from work.
Income to Replace (%)
The share of income you want to replace while disabled. Most disability policies cover around 60%.

Existing Income & Expenses

Existing Disability Benefit
Monthly benefit from any disability coverage you already have, such as through work.
Other Monthly Income
Income that would continue during disability, such as a spouse's income or investment income.
Monthly Essential Expenses
Your must-pay monthly costs — housing, food, utilities, insurance, minimum debt payments.

For your website

Embed this calculator on your website

Put the Disability Insurance Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Disability Insurance calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Disability Insurance Calculator calculate?
Estimate the monthly disability benefit you need to replace income if you cannot work. It returns additional coverage needed, target monthly benefit, income available during disability, monthly essential expenses and shortfall vs expenses (before new coverage).
Q.02What information do I need to use the Disability Insurance Calculator?
You enter 5 inputs: monthly income, income to replace (%), existing disability benefit, other monthly income and monthly essential expenses. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Monthly Income” mean in the Disability Insurance Calculator?
Your current gross monthly income from work.
Q.04What does “Income to Replace (%)” mean in the Disability Insurance Calculator?
The share of income you want to replace while disabled. Most disability policies cover around 60%.
Q.05Is the Disability Insurance Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Disability Insurance Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Disability Insurance Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Disability Insurance results financial advice?
No. Estimates only. Actual disability benefits depend on policy definitions, benefit periods, elimination periods, and whether benefits are taxable. Consult a licensed insurance professional.

Related insurance & protection calculators

All 10 in Insurance & Protection

Your website does the math. You get the lead.

The Disability Insurance Calculator is one of 188 calculators you can brand and embed with one line of code.

Start free Compare plans
  • Free plan, no card
  • 14-day trial on Pro & Business
  • Cancel any time