Income shortfall calculator for Quilter advisers

Use this tool to show your clients how income protection could help them avoid a shortfall in their monthly income if they’re too ill to work.

Calculation values

Use our maximum income calculator to work out what your client can apply for under IP.
Enter the monthly outgoings your client is currently responsible for.
Does your client have savings to fall back on if they were too ill to work?


12 months savings calculation

Enter your client’s income, outgoings and savings details below to highlight their monthly shortfall if they were to rely on Statutory Sick Pay. And we’ll also show how long their savings would last – it could be less time than your clients think. 

To show your clients how Income Protection could help, enter the maximum monthly income they can apply for. This is:

  • 65% of the first £15,000 of your client’s pre-tax earnings, plus
  • 55% of their remaining pre-tax earnings

The overall maximum payout is £250,000 a year (£20,833.33 a month).

Our maximum income calculator can help you work out the maximum income your client can apply for under Income Protection.

Royal London Quilter Webinars

Join Vincent O'Connor, Senior Business Development Manager, on our upcoming income protection webinars exclusively for Quilter advisers. Register for the webinars below.

Shining a brighter light on income protection

We ran an exclusive webinar for our Quilter advisers on Friday 11 October. This webinar looked at:

  • Where clients can achieve an alternative source of income if they're too sick or injured to work.
  • Why income protection is a great back up plan.
  • Evidence to illustrate the chance of a claim.
  • Tackling common objections such as cost.

Watch a recording

Opening the income protection advice toolkit

We ran another exclusive webinar for our Quilter advisers on Thursday 17 October. This webinar looked at:

  • Income protection options in the current market.
  • Royal London's solution.
  • Income protection claims process.
  • Tools and calculators to help with research and point of sale.

Watch a recording

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.