Income Gap Analyzer

See exactly how much income disability would cost you.

Phase-by-phase income waterfall, multi-source benefit coordination, and occupation-specific risk profile — all calculated from public SSA, BLS, and state disability program data. Free.

Income & Household

We use this to calibrate SSDI, state disability, and tax thresholds.

Annual gross income ($)AgeState of residenceOccupation categoryIndustry (optional)Filing statusSpouse income ($/yr, if any)Number of dependentsMonthly household expenses ($)Emergency savings ($)

Employer & Personal Coverage

Optional — adds short-term disability, long-term disability, and individual policy coordination to your gap analysis. Skip if you don't know.

I have employer-provided sick leave or PTO that covers the first 2 weeksI have employer-provided Short-Term Disability (STD)I have employer-provided Long-Term Disability (LTD)I have an individual disability insurance policy

Results are estimates. See the full disclaimer below.