Disability Income Planner
Estimate the cover required to replace your income in case of permanent or partial disability.
Quick Summary: Disability Income Planner
In FY 2026-27, a disability cover (Personal Accident policy) should be at least 15 times your annual income. Unlike life insurance, it protects your 'earning capacity' against Permanent Total Disability (PTD) or Partial Disability (PPD).
How to use the Disability Income Planner
- 1
Enter Monthly Salary
Input your current net monthly take-home pay.
- 2
List Liabilities
Add all monthly EMIs that must be paid regardless of your working status.
- 3
Estimate Expenses
Input recurring monthly household expenses and medical costs.
- 4
Calculate Sum Insured
Determine the lump sum needed to generate this monthly income via a safe annuity or FD.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.