Insurance business interruption arithmetic calculator

Calculate gross-profit shortfall and worksheet payment with your own figures.

Your numbers

Use the units shown. Results update as you change valid inputs.

Choose the currency for these amounts. Changing it keeps your numbers and does not convert exchange rates.

Use gross-profit shortfall and worksheet payment to compare changes to your inputs. The method and limits below explain the scope.

Examples

Examples

Try the starting example

Expected revenue during interruption (USD)
50000
Actual revenue (USD)
20000
Insured gross-profit margin (%)
40
Covered additional expenses (USD)
3000
Saved expenses not in margin (USD)
500
Policy payment cap (USD)
20000
Gross-profit shortfall (USD)
$12,000.00
Worksheet payment (USD)
$14,500.00

Try another scenario

Expected revenue during interruption (USD)
50001
Actual revenue (USD)
20000
Insured gross-profit margin (%)
40
Covered additional expenses (USD)
3000
Saved expenses not in margin (USD)
500
Policy payment cap (USD)
20000
Gross-profit shortfall (USD)
$12,000.40
Worksheet payment (USD)
$14,500.40
Calculation method

Calculation method

Gross-profit shortfall (USD)

Lost revenue × entered insured margin, add covered expenses, subtract separate saved expenses and cap.

Worksheet payment (USD)

Lost revenue × entered insured margin, add covered expenses, subtract separate saved expenses and cap.

Symbols and units
a
Expected revenue during interruption (USD)
b
Actual revenue (USD)
c
Insured gross-profit margin (%)
d
Covered additional expenses (USD)
e
Saved expenses not in margin (USD)
f
Policy payment cap (USD)

Use the units shown. A list keeps the order in which you enter its values. The symbol ^ means “raised to the power of”.

Assumptions & limits

Assumptions & limits

  • User-supplied measurements and assumptions; Lost revenue × entered insured margin, add covered expenses, subtract separate saved expenses and cap. Supported limits: Finite numeric values bounded to 1e9 magnitude; lists and tables contain 1–100 records unless a stricter bound is stated. Inputs use the units shown. Lists explicitly paired by a method must have matching lengths; independent polynomial coefficient vectors may differ. Respect stated physical, interpolation, policy and computational domain limits.
Are these inputs private?

These calculations run in your browser. A shared link contains the values you choose to share. Only questions submitted to the separate AI finder are sent to OpenAI.

Share this page
Share this calculator

Leave unchecked to share the page without your entered values.