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Instructions

This calculator will help you determine how much cash you would need to cover your debts and to provide your family with income in the event of your illness or death.

Step 1. Identify your Cash Requirements and enter the values into the appropriate fields on the left. Either use the up and down arrows or type the amount directly into the field.
Step 2. Identify your Cash Sources and enter the values into the appropriate fields on the right. Either use the up and down arrows or type the amount directly into the field.
Step 3. The amount of cash required to meet your future requirements will be displayed under the Results heading.

Important notes
1. Any calculations produced by the calculator are either information or general advice only. They do not consider your objectives, financial situation and needs. You should consider the appropriate Product Disclosure Statement and seek personal financial advice from your financial adviser before deciding to purchase or hold any financial product.
2. The calculations produced are based on a set of assumptions and are general illustrations only.
3. Any projected result is not guaranteed in any way. The actual performance of any specific investment will depend on a variety of factors including future economic conditions, investment management and changes to taxation.
4. The licensed ING entities and their related companies disclaim any liability that may arise for any direct, indirect, incidental, consequential of special damages that may arise from your access to or use of the calculator.
5. A small variation in the assumptions used can lead to a substantial change in the outcomes.

Assumptions
1. The ‘To replace current income’ field represents all future income required to support your family in the event of your illness or death. The Capital Requirements calculator can be used to calculate the present value of future income for a specified term and net earning rate.
2. All the input items are lump sum amounts. Per annum items such as current income should be converted to a lump sum (in present value terms).
3. The calculator makes no allowance for the effect of taxation.