Find your protection gap

What if you couldn't work tomorrow - but you're still here?
What if the diagnosis came at 36, not 63?
What if your income stopped, but the mortgage didn't?

These aren’t hypothetical questions for someone else. They’re questions Singapore’s own health data says you should be asking yourself — especially if you’re in your 30s or 40s.

Protection Gap Calculator

Let's find your protection gap

Three quick sections, about 90 seconds. Nothing you enter is saved or sent anywhere — the numbers stay in your browser.

Used to project your income protection shortfall through to age 65.

If you couldn't work — but you're still here

CareShield Life pays S$689/month in 2026. Actual care averages S$2,952/month.

If your family had to carry on without you

Income replacement plus any outstanding debts, less what you already have covered.

If you were diagnosed with a serious illness

Medical insurance pays the hospital. This estimates what covers your income during treatment and recovery.

Your estimated protection gap

These numbers are indicative, not exact — a starting point for a real conversation, not a quote.

Income protection shortfall (projected to age 65) The monthly shortfall is the average cost of long-term care (S$2,952/month, Singlife Long-Term Care White Paper 2025) less the CareShield Life payout (S$689/month in 2026, CPF Board) and any private supplement. Projected to age 65 as an illustration, not a personalised care-needs assessment. S$0
Family protection gap (if you were gone) The 9× annual income multiple follows the general rule of thumb for death and total and permanent disability cover in the MAS/LIA Basic Financial Planning Guide. A rule of thumb, not a personalised calculation of your family's actual needs. S$0
Critical illness income gap The 4× annual income multiple follows the general rule of thumb for critical illness cover in the MAS/LIA Basic Financial Planning Guide. A rule of thumb, not a personalised calculation. S$0
Your Total Protection Gap
S$0
Estimates only, based on national averages and published rules of thumb (CPF Board CareShield Life, MAS/LIA Basic Financial Planning Guide, Ministry of Health, Singapore Cancer Society, Singlife Long-Term Care White Paper 2025) and the details you entered. Not financial advice. No information entered here is saved, stored or transmitted.
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Financial Alliance Pte Ltd· Navigating Your Financial Future

This material is for general information only and does not constitute financial advice. Statistics cited from: National Registry of Diseases Office, Singapore Cancer Registry Annual Report 2023 (released Jan 2026), as presented by Singapore Cancer Society (Feb 2026); Ministry of Health; Singlife, Long-Term Care: From Awareness to Action white paper (2025). Please seek advice tailored to your circumstances.