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Income Protection / Emergency Cover Gap Checker
🛟 Income Protection / Emergency Cover Gap Checker

Income Protection & Emergency Cover Gap Checker

Check whether your cash buffer and income protection are enough if your income stopped.
1. Monthly needs Baseline spending
Rent, food, utilities, school fees, minimum loan repayments – what you must cover each month.
Take-home pay. Used to calculate income replacement %.
2. Emergency fund / cash buffer Short-term protection
Many planners suggest 3–6 months of essential expenses in cash. Choose numbers that fit your situation.
3. Income protection & other cover Longer-term protection
e.g. 60% of salary if you can't work. If you know a fixed amount, you can convert it to %.
Check your employer or insurer: some pay for 2 years, others up to retirement age.
Please enter sensible values: monthly expenses & target months must be positive.
💡 This tool checks for gaps – it doesn't sell cover or make a recommendation. Use it as a conversation starter for your plan.
Protection Gap Summary
Waiting for numbers…
Overall protection: —
Enter expenses, emergency fund and income protection details.
Short-term: Emergency Fund / Cash Buffer
Current buffer
0.0 months
Target buffer
0.0 months
Gap / surplus (months)
0.0 months
Gap / surplus (KES)
KES 0.00
—
Progress towards your target buffer 0% of target
Longer-term: Income Protection & Other Cover
Income protection benefit
KES 0.00 / month
Income replaced
0.0% of income
Total cover vs expenses
0.0% of expenses
Monthly shortfall at full cover
KES 0.00
Waiting period
0.0 months
Benefit duration
0.0 years
Shortfall over full benefit period
KES 0.00
Cushion from emergency fund during wait
0.0 of waiting period
—
This checker simplifies real life. It assumes constant expenses and cover amounts, and ignores tax, inflation and benefit exclusions. Use it as a starting point and review your plan with a professional adviser.

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