"I asked many questions about my income protection cover, and every answer was clear and honest. No pressure — just real advice."
Why it matters
Your Salary Stops. Your Bills Don't.
Most people assume they are covered if something goes wrong. But in New Zealand, that assumption can be costly.
ACC covers accidents. It does not cover illness, cancer, heart disease, or mental health conditions, which account for the majority of long-term absences from work. If you cannot work due to sickness, your income stops. Your mortgage, rent, groceries, and family expenses do not.
Income protection insurance in New Zealand replaces a portion of your income if you are unable to work due to illness or injury not covered by ACC — giving you and your family financial stability while you recover.
The question is not whether you need income protection cover. The question is how much income protection do you need — and whether what you have today is enough to cover your real living costs.
That is exactly what our free income protection insurance calculator is designed to help you find out.
We'll help you find the right cover.
Why calculate
Your Income Protection Amount Should Be Based on Facts — Not Guesswork.
Most people either underestimate or overestimate how much income protection cover they actually need. Too little and your family may struggle to cover everyday costs during a long-term absence. Too much and you could be paying more than you need to each month.
A proper income protection calculator looks at what actually matters to your situation — your income, employment type, existing ACC cover, debts, and monthly living expenses. Everyone's situation is different, so getting a number that fits yours makes all the difference.
Our free income protection cost calculator works by asking you a few quick questions about your financial situation. It takes less than 60 seconds.
Based on your answers, one of our qualified advisers will review your details and recommend a suitable income protection cover amount — matched to your real needs, not a generic estimate.
Whether you are using an income protection insurance calculator for the first time or want to check if your current cover is still right, this is the fastest way to get a clear, personalised answer.
Answer a few questions. Get the right number.
How it works
Simple as 1, 2, 3.
No complicated forms. No pushy sales calls. Just clear results.
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01
Tell us your needs
Answer a few quick questions about your income protection needs.
60 sec -
02
We calculate your cover
Your answers are reviewed by a qualified adviser to calculate the right cover amount for you.
24 hrs -
03
You choose, no pressure
Review your options and decide when you're ready. No obligation.
Your pace
Take your time. We're here when you're ready.
Reviews
What Kiwi families say about us
"Quick and easy — actually listened to what I wanted and didn't try and push anything else on to me. Great to find cover that fits my situation."
"Well knowledgeable and prompt when responding to queries. Made sorting out income protection a lot less stressful than I expected."
Google Reviews
4.9
Based on 212+ verified reviews
About us
Your Income. Your Cover. Your Decision.
Work It Out is here to help you understand exactly how much income protection insurance you need — based on your real financial situation, not a generic estimate.
Income protection insurance in New Zealand is not easy to figure out on your own. ACC only covers accidents — not illness or disease. How much of your income do you actually need to protect? What waiting period suits your situation? Most people don't know the answers to these questions — and that uncertainty is exactly what our free income protection calculator is designed to solve.
Answer a few quick questions about your income, employment type, monthly expenses, and existing cover. Our income protection insurance calculator does the rest — connecting you with the right cover options in under 60 seconds.
No complicated forms. No pressure. Just a straightforward way to find out if your income is properly protected.
Frequently Asked Questions
Everything you need to know about our income protection calculator
Answer a few quick questions about your age, employment type, income, occupation, and health status. Our income protection insurance calculator uses your answers to match you with the most suitable cover options available — the whole process takes under 60 seconds.
The right amount depends on your personal situation — your income, monthly expenses, existing ACC cover, and any debts you need to cover. There is no one-size-fits-all number. Our free income protection calculator makes it simple — just answer a few quick questions to help identify the right cover amount for your situation.
Yes. Our income protection cost calculator is completely free to use. There is no obligation to proceed, and no pressure to purchase anything.
Just the basics — your age, employment type, income, occupation, smoking status, and any existing cover. The whole process takes less than 60 seconds.
Once you submit your answers, a qualified adviser will review your details and get in touch to discuss the most suitable income protection options for your situation — no obligation, no pressure.
ACC covers injuries caused by accidents only. It does not cover illness, cancer, heart disease, mental health conditions, or any sickness-related absence from work. For most New Zealanders, illness — not accidents — is the most common reason for being unable to work. Income protection insurance in New Zealand fills the gap ACC leaves behind.
Yes. If you already have income protection insurance in New Zealand, our income protection insurance calculator can help you check whether your current cover amount still matches your financial situation — especially useful after major life changes like a pay increase, buying a home, having children, or changing jobs.
Yes. Any information you provide is handled in accordance with the New Zealand Privacy Act 2020. Your details are used solely to calculate your cover estimate and will not be shared without your consent.
Ready to protect your family's future?
It only takes 60 seconds. 100% free, no obligation.
Your income protection needs careful expert review
Your Profile
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Why This Matters
What Happens Next
Now
Request received
24 hrs
Expert review
48 hrs
Options prepared
Your Call
Personalised advice
Trusted by 30,000+ Kiwi families