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Income Replacement Calculator


Annual income before tax:
Percentage of income needed by dependents:
Age:
Number of years benefits are needed:
Annual inflation rate (estimate):
Annual interest rate (estimate):  




Rule of Thumb Calculator


(Multiple x Annual Income)
Your Age Recommended Maximum Available
20 - 30 15x 20x
31 - 40 15x 20x
41 - 50 10x 15x
51 - 60 7x 10x
61 - 65 5x 7x
66 or Older 3x 5x

Multiple (from above table): Your current annual income:

Coverage needed: $



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