Plan for the Big Disruptors

Prepare for the things you can't predict.

A disruption isn't always a crisis you saw coming — a job change, a health scare, a slow month if you're self-employed. Tell us about your income, and we'll show you what real protection looks like for you.

Most people plan for markets, not for life

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Financial GPS

Let's work out your protection target.

Three quick questions. Nothing gets saved or shared unless you choose to.

Step 1 of 3

What kind of disruption worries you most?

This just shapes the framing of your result — it doesn't change what you're asked next.

Job loss or reduced incomeBeing let go, a gap between contracts, fewer hours. A health scare or family emergencySomething that pulls you away from earning for a while. Unpredictable, variable incomeFreelance, commission, or business income that isn't steady month to month.

What's your monthly take-home income?

What actually lands in your account most months, after tax. If it varies, use a realistic average — not your best month.

Monthly take-home income

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How many months of income would you want protected?

There's no universally "correct" answer — it depends on how stable your income feels and how much risk you're comfortable carrying.

3 monthsA reasonable starting point for stable, salaried income. 6 monthsA common target for most employed situations. 9 monthsWorth considering for freelance, commission, or variable income.

Based on what you told us

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A reasonable income-protection target — not a guarantee, a starting point

This is a projection based on the numbers you entered, not a promise about what you'll end up with. Your own situation — and markets — will move. Think of it as a starting point for a real conversation, not a prediction.

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Talk This Through With Someone

The human layer

Want to talk this through with someone?

Income protection decisions often hinge on details a calculator can't see — job security, dependants, other cover you already have. Worth a real conversation.

Faith Nekesa

Private Wealth Consultant — specializes in first-time and growing investors building their first structured plan.

Talk to an Advisor

Not the right goal?

There are three other places to start.

Secure the basics, travel, or legacy — pick whichever is closer to true right now.

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