About IncomeGuard

IncomeGuard is a small independent site of free calculators for disability insurance: how much to carry, the monthly benefit, a cost estimate, and the own- versus any-occupation choice. Every calculation runs on your device — your income and benefit figures never leave the page. The aim is to show your real need before you talk to a broker.

The replacement ratios and premium factors are common planning figures, not a quote or advice.