For most people who go on disability, income tends to decrease while expenses often increase.

If your condition might require you to go on disability, planning now will help make sure you are prepared for the changes you might experience.

Our Disability Budget Calculator helps you estimate what your income and expenses will be if you become disabled. It also shows how much money -- if any -- you will need to make up for because of a shortfall in your income.

Before using our calculator, read through the following to understand how your income and expenses might change.

When you use the calculator:

• Don't waste a lot of time looking for precise numbers. Estimates will do. The immediate purpose is to get an idea of what could happen so you can start to make adjustments now, while you are still productive. If there are shortfalls, you are pointed to helpful articles.
• If you have already completed your basic budget, you will find that the numbers from there have been transferred to the first column of this chart. If you haven't, consider completing a Cash Flow Statement and a budget to get a good idea of your cash flow as it is now before projecting any changes due to disability.
• You can store your work in your home page if you are registered. If you're not registered or signed in, now is a good time. Click here .

If you are already disabled, but want to see how long your savings will last if you dip into them to supplement your monthly income, see our Spending Your Savings calculator.

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