Income Protection Calculator
Estimate the monthly benefit you could insure with income protection in Australia, generally up to about 70% of your income. A guide before you speak to an adviser.
Benefits are paid monthly if illness or injury stops you working. Premiums depend on your job, age, the waiting period and how long benefits pay. An adviser matches the structure to your budget.
How we estimate this
Income protection pays a monthly benefit, usually up to around 70% of your income, if illness or injury stops you working. It’s one of the most valuable covers for anyone whose lifestyle depends on their salary.
Pricing reviewed: October 2026.
Understanding income protections in Australia
Income protection pays a monthly benefit, usually up to around 70% of your income, if illness or injury stops you working. It’s one of the most valuable covers for anyone whose lifestyle depends on their salary.
Premiums are driven by your occupation, age, the waiting period before benefits start, and how long they pay. A longer waiting period and shorter benefit period reduce the premium, so it’s about balancing cost against protection.
Frequently asked questions
How much income protection can I get?
Generally up to about 70% of your gross income, paid as a monthly benefit. This calculator estimates that amount.
What affects the premium?
Your occupation, age, the waiting period, the benefit period, and whether cover is stepped or level. Longer waiting periods are cheaper.
Are you a insurance adviser?
Everyone on this page is working out what income protection costs because they are ready to hire. Put your business right beneath the calculator, in your state, so you are who they find. From $1,000/mo.