Estimate the annual cyber loss your organization still retains after insurance. Enter event frequency, average loss severity, coverage limit, deductible, and expected insurer payment percentage to separate gross exposure, covered recovery, and residual exposure. This planning estimate helps security, finance, and risk teams compare policy structure with the loss scenarios they actually face; it is not a coverage determination or insurance advice.
The main result summarizes the scenario created by the entered values. Supporting results expose the components so you can identify which assumption drives the outcome.
This calculator provides an estimate for planning. Confirm platform terms, policy wording, fees, taxes, and accounting treatment with the appropriate provider or adviser.
At 0.4 incidents per year, a $500,000 loss, $50,000 deductible, $300,000 limit, and 80% payment rate, expected recovery is $240,000 per event and residual annual exposure is $104,000.
Use one consistent monthly or annual period matching the labels and your planning records.
Yes where zero is meaningful; denominators and required positive contribution values are validated separately.
No. Add taxes to costs or deductions only when they apply to your situation.
Enter the displayed percentage as a whole number, such as 5 for 5%.
No. It is a scenario estimate based entirely on the assumptions you enter.
| Input | Purpose |
|---|---|
| Amounts and counts | Use values from the same reporting period. |
| Percentages | Entered as whole percentages from 0 to 100. |
| Result | A planning estimate based on your assumptions. |