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About this calculator
Disability is more likely than death during working years and can stop income entirely. Estimate the cover needed to replace part of your income.
How is this calculated?
Present value of the chosen share of your income, rising with inflation, until retirement, with the payout earning the chosen return.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.