Clarity first. Decisions next. Protection always.

Business Protection Calculators

Business decisions become stronger when risk is clearly understood. Wealth School’s calculators are designed to help professionals and businesses identify exposure, evaluate protection needs, and make informed decisions through a structured, education-first approach. Unlike generic insurance calculators, these tools are business-risk driven. They focus on understanding financial impact, continuity gaps, and long-term implications helping users move from assumptions to clarity.

Each calculator is built to support learning, advisory conversations, and confident decision-making, without oversimplification or unnecessary complexity.

Calculators Built for

Business Owners

Each calculator surfaces a specific financial risk, tax gap, or protection need so you can make decisions backed by numbers, not guesswork.

Business Continuity Gap Calculator

Identifies the financial gap your business would face if a key person is unavailable during critical continuity periods.

For

Founders, Directors, and Business Owners

Use Case

Understand the total cost of business disruption including profit loss, mandatory cash obligations, and recovery costs and assess your current protection.

Calculate Your Continuity Gap

Highest Life Cover Eligibility Calculator

Determines the maximum life insurance cover your business can support based on profit capacity, ownership share, and age.

For

Directors, Key Employees, and Business Stakeholders

Use Case

Align insurance planning with your actual business profit base and personal remuneration to ensure coverage matches eligibility.

Check Your Eligibility

Founder Dependency Risk Calculator

Measures business dependency on one founder across revenue, decision-making, relationships, and leadership dimensions.

For

Founders, Co-founders, and Business Partners

Use Case

Diagnose critical single-person dependencies and convert risk scores into financial exposure metrics.

Assess Dependency Risk

What If He Is Not There Tomorrow?

Quantifies the exact financial impact on your business if a key person founder, director, or key employee were to suddenly pass away.

For

Founders and Boards stress-testing key-person dependency

Use Case

Convert an emotional risk into a hard ₹ number profit loss, replacement cost, client slippage so protection planning becomes undeniable.

Calculate the Risk Cost

Insurance Under-Coverage Detector

Compares existing keyman / EEI insurance cover against the maximum eligibility benchmark and flags the precise coverage gap.

For

Business Owners who hold some insurance but are unsure if it's enough

Use Case

Detect whether your current cover is Adequate, Marginal, Under-Covered, or Critical with a precise gap amount in ₹.

Detect My Coverage Gap

Succession Failure Cost Calculator

Estimates the total monetary cost of succession failure triggered by the sudden death of a founder without a plan in place.

For

Founders of Pvt Ltd, LLP, or Partnership firms with no formal succession plan

Use Case

Put a total ₹ cost on succession failure valuation loss, profit erosion, legal costs, and confidence loss so planning becomes a financial priority.

Calculate Succession Risk

Business vs Personal Insurance Tax Calculator

Compares the real after-tax cost of funding insurance through the business versus personally revealing which route saves more money.

For

Directors and Partners deciding how to fund keyman, term, or EEI policies

Use Case

Free tier flags which route is more efficient; Pro tier reveals the exact ₹ tax saving, net economic cost, and optimal funding structure.

Compare Insurance Tax Impact

Hidden Tax Cost (Reverse Calculation) Calculator

Reverse-calculates how much gross income must be earned to fund a given premium — exposing the hidden cost of inefficient funding routes.

For

Directors and Partners funding insurance via personal salary, dividend, or loan

Use Case

Show that paying ₹1L premium via personal salary may cost ₹1.45L gross — and that business funding eliminates that hidden tax drag entirely.

Reveal My Hidden Tax Cost

Tax-Optimised vs Tax-Ignored Decision Calculator

Side-by-side comparison of a planned, tax-optimised decision versus an unplanned one across insurance, withdrawal, and succession planning.

For

Business Owners and Advisors evaluating structuring decisions over 1–5 years

Use Case

Quantify the cumulative ₹ cost of ignoring tax optimisation and build a case for restructuring insurance, withdrawals, and succession in one view.

Compare My Decisions