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Disability Income Gap & Emergency Runway Calculator

Choose an employee, self-employed or platform-worker scenario. The calculator applies your income-interruption assumption, essential spending, confirmed paid leave, confirmed disability-income benefit, other confirmed support and selected liquid reserves across a deterministic monthly timeline without assessing disability, eligibility or claim approval.

✓ Results shown free✓ Dated source references✓ General information only

MoneySense · CPF Board · MOM guidance · methodology v1.0.0 · checked 4 Sep 2026

Profile values stay unselected until you choose them. No diagnosis, health, claim, occupation-underwriting, insurer or policy data is collected.

01

Income interruption scenario

Model only amounts and timing you know or choose. The tool does not decide whether any benefit will be approved.

MoneySense · CPF · MOM
Income interruption scenario
Confirmed replacement resources

Select Confirmed only when the amount and timing come from your records. Not sure amounts remain visible but count as S$0.

Paid leave or employer benefit

Existing disability-income benefit

Other income or support

Selected liquid reserves
Optional income-volatility sensitivity

Calculated in your browser. Inputs leave your device only if you choose to save them.

02

Income gap and emergency runway

A deterministic month-by-month view of the entered scenario

Waiting for your scenario
Map income replacement and reserves across time.

The result will show confirmed resources, reserve use and any remaining shortfall for each month.

Official context and model boundaryUsing the packaged last-known-good reference
Source date
2026-07-02
Reviewed
2026-09-04
Next review
2026-12-04

Interest.sg uses only the amounts, timing and assumptions you enter. It does not assess health, disability definitions, eligibility, underwriting or claims; predict approval; or recommend an insurer or policy.

Open the disability-income planning data pageOpen MoneySense disability-income guidance

Educational planning scenario only. Benefits are counted only when you confirm the entered amount and timing; this does not mean a claim will be approved. No medical, eligibility, claim, insurer or policy recommendation is provided.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

  • 01Confirmed replacement resources and essential spending by month
  • 02Gap before reserves, reserve use and remaining reserves
  • 03First reserve-exhaustion and uncovered-shortfall month
  • 04Shortfall before and after the entered benefit start
  • 05Coverage percentage, cumulative shortfall and income-volatility sensitivity
Transparency standard

The workings stay visible from day one.

✓
Official rules

Applied parameters include a source and verification date.

✓
Assumptions

User inputs and defaults are clearly separated.

✓
Limits

Scope and exclusions appear beside the result.

Read the full methodology→

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interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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