Stress test

Planned Premium tool · open in prelaunch

Six things that derail real financial plans, run against your actual numbers — not a hypothetical household.

READS YOUR PLAN · CHANGES NOTHING

What we pulled from your plan

1Your starting position

Pulled from your other tools where possible. Correct anything that looks wrong — every scenario below runs off these six numbers.

Take-home income /mo

Essential outgoings /mo

Cash you could reach

Invested / pension pot

Debt payments /mo

Life cover

“Essential” means what you couldn’t stop paying next month — housing, food, utilities, insurance, transport. Not holidays or subscriptions you’d cancel.

There are two incomes in this household I have income protection or sick pay beyond statutory

Your scenario assumptions

Benefits default to zero until confirmed. Essentials exclude the separately entered debt payment. These scenarios run independently; they are not probabilities or a combined crisis forecast.

Monthly income lost in job-loss scenario (blank: all income)Confirmed net monthly job-loss benefitMonths before job-loss benefit startsMonths job-loss benefit paysOther net income continuing during illness / monthConfirmed net illness benefit / monthMonths before illness benefit startsMonths illness benefit paysNet monthly income after separationMonthly essentials after separation, excluding debtMonthly debt payment retained after separationYears of survivor support to test Include loss of a partner or other income provider Include separation scenario

Import explicitly replaces income, essentials, debt payments, cash and accessible investments. Enter benefits and cover for the specific insured person yourself.

COVERED REVIEW SHORTFALL

ResilienceHOW MUCH YOUR PLAN ABSORBS

FRAGILEROBUST

Your weakest linkFIX THIS FIRST

What would change the answerRANKED

WHAT THIS MEANS

✓ SAVED

This tool only reads your other plans — it never changes them. Re-run it whenever your circumstances shift.