Critical illness cover calculator

Lump sum to bridge a diagnosis.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Monthly expenses

Months to cover

Medical & adaptation costs

Existing cover

Cover needed

$81,400

Living costs covered

$86,400

With these inputs, cover needed comes to $81,400 over 24 months. Living costs covered works out to $86,400.

Over time · by months to cover

Input	−10%	Now	+10%
Monthly expenses	$72,760	$81,400	$90,040
Months to cover	$72,760	$81,400	$90,040
Medical & adaptation costs	$79,400	$81,400	$83,400
Existing cover	$83,900	$81,400	$78,900

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Lump sum to bridge a diagnosis.

With the defaults above, cover needed works out at $81,400.