Dual-Income Cover Split Calculator

Split household cover between two partners by income share.

Educational estimate only. Not insurance, financial or legal advice.

What this tool answers

Split household cover between two partners by income share. It runs entirely in your browser, so nothing you enter is stored or sent.

Each partner’s cover equals total need multiplied by their share of combined income.

Is income share fair?

It is a starting point. Add weight if one partner provides unpaid care.

Should both partners be insured?

Usually yes, since either loss would hurt the household.

Written and reviewed by Zain Shah, Founder and Editor. Updated October 2026. How we write.

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