insurance and income protection calculator

Insurance can be one of the best ways to protect you and your family.

If you’re unable to work due to illness or injury, do you have enough insurance to give you the income you need and the life you want? Are you covered if something happens to you? Honestly not sure? This calculator helps you work out whether your insurance matches your circumstances.



Your insurance and income protection calculator

Time needed

About 2 minutes.

Information to have ready

Your total assets, liabilities, current life insurance and income protection cover amounts.

To find out how much insurance you may need, use the insurance cover calculator.

This handy online tool gives you a sense of how much income protection, Total and Permanent Disablement (TPD) and death cover you might need by comparing your current cover to your estimated needs.



Log in to your online account to see your current insurance cover. You can apply to change your insurance cover based on the results from the insurance and income protection cover calculator.




you might also like

Parental leave no-fee cover

When you take out insurance with HESTA, we won’t charge insurance fees for your cover while you take up to 12 months of approved parental leave, keeping more in your super to support you and your family.

Cover that stays with you

Ready. Set. Plan

Use these simple online tools and calculators to start getting your super and finances sorted. Today’s the day!

Discover our calculators

Become a HESTA member

This decision will help shape your future for the better. All it takes is a spare minute or two.