Determine your income protection benefit amount.

Not sure how much income protection cover you can get? Enter your annual income to calculate the benefit available to you.

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income Protection Calculator

Our Income Protection Calculator provides an initial estimate of the level of income protection that may be available based on your earnings.

This is only a guide. Insurers use different benefit calculations, income definitions and maximum limits, so the actual amount of cover available may be higher or lower depending on the provider and your circumstances.

For an accurate assessment, we can compare suitable insurers and calculate the maximum benefit available under their current criteria.

How Much Income Protection could you get?

What is your gross annual salary?

Indicative income protection amount – Per Year: £ – –

Indicative income protection amount – Per Month: £ – –

Insurers We Can Consider Include:

Insurance Providers

Why Kerr & Watson?

Understanding

We take the time to understand your situation so that we can search for the most suitable mortgage and insurance for you. Any recommendation made is completely bespoke to your circumstances.

Experience

Mortgage and insurance advice is our speciality. We have decades of combined experience giving us the knowledge to overcome challenges and find the appropriate solution for your needs.

Communication

We work around your schedule to arrange a mortgage or insurance policy that suits your needs. You’ll be kept updated throughout the entire process with clear communication so you’ll always know what’s going on.

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Featured In

Testimonials

    
 
 
       Posted on Google  
   
   Sergiu Balmus 
 8 October 2026
 
 
  A huge thank you to Kerr & Watson for helping us secure our mortgage!

A special thank you to Andreea, who has been absolutely amazing throughout the entire process. She was professional, patient, supportive and always kept us updated, making everything much easier and less stressful.

We truly appreciate all your help and would highly recommend your services!
  
 
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   Ade Kunle 
 6 October 2026
 
 
  I will always recommend Kerr & Watson to my friends and family.
  
 
      Posted on Google  
   
   Mark Grixti 
 6 October 2026
 
 
  Excellent and clear service!
  
 
      Posted on Google  
   
   Tim __________________ 
 6 October 2026
 
 
  Bradley arranged life insurance for us and we can highly recommend him. He was very friendly,  helpful and understanding and we are very happy with our policy.
  
 
      Posted on Google  
   
   Lucas S 
 2 October 2026
 
 
  Kerr & Watson have been absolutely outstanding in terms of knowledge, support and promptness. My case is complicated including three transactions at once and I could have not asked for a better service and support. Look nowhere else when seeking mortgage advice!
  
 
      Posted on Google  
   
   Bernadette Bashford-Payne 
 30 September 2026
 
 
  I can't recommend Kerr & Watson enough. I moved from another provider I had been using for 20+ years due to missing a purchase after multiple delays and errors. Kerr & Watson took me in as a customer and out did any expectations I had. They also taught me more about mortgages than I thought I knew, making the process easy. A great all round service by every member of the team, at every step.
  
 
      Posted on Google  
   
   Neil Medcalf 
 24 September 2026
 
 
  We could not have asked any more in service, action when required, flexibility when circumstances changed and the determination to get the mortgage sorted for us. We were delighted with every aspect of the service and would highly recommend Kerr and Watson, in particular Marie who is a Gem.
  
 
      Posted on Google  
   
   Vicki Beesley 
 24 September 2026
 
 
  I could not recommend Kerr & Watson highly enough. Marie was absolutely amazing and went above and beyond despite our very difficult circumstances. We would not be where we are today with her.  If you are looking for a company that truly cares then you will not be disappointed. Thank you again Marie!
  
 
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   Dani 
 24 September 2026
 
 
  We had a very positive experience with Kerr & Watson. The adviser, Marie Kitchen, was very professional, responsive and helpful throught the entire re-mortgage process. She took the time to explain each step clearly, answered our questions promptly and kept us informed of the progress of our application. We are very satisfied with the service and would be happy to recommend the company to others looking for a mortgage assistance 😊
  
 
      Posted on Google  
   
   Jonny Hornzee 
 23 September 2026
 
 
  The whole team at Kerr & Watson were extremely helpful and communicative. Highly recommend.

Awards & Recognition

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Frequently Asked Questions

▸ ▾ What is an Income Protection Calculator?

An Income Protection Calculator helps you estimate the amount of coverage you need to replace your income if you cannot work due to illness or injury.

▸ ▾ How accurate is the Income Protection Calculator?

The calculator provides a general estimate. For personalized advice, please consult with one of our advisors.

▸ ▾ What information do I need to use the Income Protection Calculator?

You need details about your annual income, monthly expenses, and any existing income protection coverage.

▸ ▾ Why is income protection important?

Income protection ensures you have financial support to cover living expenses if you’re unable to work due to illness or injury.

▸ ▾ Can I adjust my income protection coverage later?

Yes, you can review and adjust your income protection coverage as your circumstances change, such as changes in income or financial commitments.

▸ ▾ Should I seek advice from an advisor after using the calculator?

Yes, an advisor can provide tailored recommendations and ensure you choose the right income protection policy for your needs.