Protection gap
Your result
- Capital needed to produce that income
- R 4 618 927
- Total need
- R 6 028 927
- Already covered
- R 2 600 000
- Protection gap
- R 3 428 927
What this assumes
- Income need is discounted at a real rate, so it reflects a payout invested and drawn down, not cash under a mattress.
- Employer cover usually ends when the job does, so counting on it is a risk in itself.
- Ignores estate duty, executor fees and capital gains, all of which reduce what actually reaches your family.
- This estimates a shortfall. It does not recommend a product, an amount, or a provider.
This tool gives an indicative estimate based only on the figures and assumptions you entered. It is general information for educational purposes, not financial advice and not a recommendation to buy any financial product.
No product is recommended or implied here. Whether anything is suitable for you depends on your circumstances and needs a full advice process.