Protection Tool
Protection Gap Checker
A quick way to see how long your savings might cover essentials if your income stopped.
Answer five questions to receive a general resilience indicator. This is for guidance only and is not a recommendation — protection needs vary widely between households.
Your situation
Examples: 1200, 1,200 (UK) or 1.200 (EU). Use 0 if none.
Council tax, energy, food, transport, insurance — e.g. 900.
Total accessible savings, e.g. 8000 or 8,000.
Your indicator
Moderate
You have a modest buffer
You'd have some breathing room, but a longer period without income could put pressure on your finances. Protection can extend that runway considerably. With dependents relying on you, even short gaps in income can be especially difficult — protection cover often becomes more important. You currently have no protection in place, so this gap is likely your full exposure.
Essential outgoings / month
£2,100
Savings may cover approx.
3.8 months
Based on the figures you entered.
This is an estimate only and does not constitute financial advice. Speak to an adviser for personalised guidance.
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