TPD Insurance Calculator
Estimate how much total and permanent disability (TPD) cover you may need in Australia, enough to clear debts, replace income and fund ongoing care. Indicative only.
A TPD payout should clear your debts, replace income, and fund home modifications and ongoing care if you’re permanently unable to work. This estimate is a starting point an adviser will tailor.
- ✓Check existing TPD cover inside super
- ✓Understand ‘own occupation’ vs ‘any occupation’ definitions
How we estimate this
Total and permanent disability (TPD) insurance pays a lump sum if you’re permanently unable to work. A well-sized payout clears your mortgage and debts, replaces several years of income, and funds home modifications and care.
Pricing reviewed: October 2026.
Understanding tpd insurances in Australia
Total and permanent disability (TPD) insurance pays a lump sum if you’re permanently unable to work. A well-sized payout clears your mortgage and debts, replaces several years of income, and funds home modifications and care.
Definitions matter: ‘own occupation’ cover pays if you can’t do your specific job, while ‘any occupation’ is stricter and cheaper. Much TPD is held inside super, worth checking before buying more.
Frequently asked questions
How much TPD cover do I need?
Enough to clear debts, replace income for several years, and fund care and home modifications, less your savings and super. This calculator estimates that figure.
What’s the difference between own and any occupation TPD?
‘Own occupation’ pays if you can’t work in your specific job; ‘any occupation’ only pays if you can’t work in any suitable job. Own occupation costs more.
Are you a insurance adviser?
Everyone on this page is working out what tpd insurance 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.