How Long Will My Savings Last If I Become Disabled?

Most financial discussions focus on retirement, but it is also important to consider your working years. If you were unable to work due to an illness or injury, your savings would likely become your primary source of income. Use this calculator to see how long your current savings might last in that scenario, and how disability insurance could change that timeline.

Your Financial Information

Your Monthly Salary

$1,000 $1,000,000

Desired Income Replacement from Disability Insurance (%)

Current Savings

$0 $10,000,000

Your Savings Duration

How long will your money last? No, not in retirement. During your working years. Too often, people overlook what would happen if they were no longer able to work and generate income. Use this calculator to see how long your savings would last.

There is no single "correct" number for these results. It is instead a way to evaluate your own comfort level with your current strategy for protecting your income. Different approaches exist to address these concerns, and a financial professional can help you explore which options fit your needs.

Without Disability Insurance

0 months

If you relied solely on your savings to cover 100% of your current income, your funds would last this long.

With Disability Insurance

0 months

If an insurance policy replaced your chosen percentage of income, your savings would only be needed to cover the remaining gap, allowing them to last significantly longer.

Savings Duration Comparison

These figures are estimates based on the information you provided. Your financial professional can help you explore strategies to protect your income.

Disability insurance is issued by participating insurance companies. Not all policy types and product features are available in all states. Any obligations are dependent on the ability of the issuing insurance company to continue making claim payments.