Deductible Calculation Tool

Plan smarter by testing deductible scenarios quickly. Adjust limits, coinsurance, and annual deductible progress easily. Export results to share with agents or clients securely.

Educational estimates only. Actual policy wording can change results.

Calculator Inputs

Used for context only.
Pick how the deductible is calculated.
$
Used for fixed and mixed methods.
%
Used for percent methods.
$
Example: home replacement value.
$
Percent applies only above this amount.
$
$
Annual applies remaining deductible across scenarios.
$
$
%
Enter a valid percentage.
$
Set 0 for unlimited (for modeling).
$
Uses average of scenario results.
Caps covered responsibility only.
$
$

Claim Scenarios

Enter one or more claim amounts. Use multiple rows to compare outcomes.
# Claim Amount Action
1
$
Enter a claim amount.
2
$
Enter a claim amount.
3
$
Enter a claim amount.
Results appear above this form.

How to Use This Calculator

  1. Choose a deductible method that matches your policy wording.
  2. Enter deductible values, optional minimums, and optional maximums.
  3. Select how the deductible applies: per claim or annual aggregate.
  4. Set insurer share, optional policy limit, and optional out-of-pocket max.
  5. Add one or more claim scenarios, then click Calculate.
  6. Download CSV or PDF for sharing and recordkeeping.

Formula Used

This tool models common deductible rules, then splits costs using coinsurance. It supports optional minimum/maximum deductible rules and an optional insurer limit.

Deductible calculation
  • Fixed: Ded = FixedAmount
  • Percent of claim: Ded = Claim × (Pct / 100)
  • Percent of value: Ded = Value × (Pct / 100)
  • Fixed + percent above threshold:
    Ded = Fixed + max(0, Claim − Threshold) × (Pct / 100)
  • Min/Max rule: Ded = clamp(Ded, Min, Max)
  • Applied: DedApplied = min(Ded, Claim)
Cost sharing
  • Eligible = max(0, Claim − DedApplied)
  • InsurerBase = Eligible × InsurerShare
  • InsurerPay = min(InsurerBase, PolicyLimit) (if limit set)
  • Uncovered = max(0, InsurerBase − InsurerPay)
  • YouPayCovered = DedApplied + Eligible × (1 − InsurerShare)
  • YouPay = YouPayCovered + Uncovered

Out-of-pocket max (if enabled) caps only YouPayCovered. Amounts unpaid due to policy limit remain uncovered and still apply to you.

Example Data Table

Scenario Claim Deductible Insurer Share You Pay Insurer Pays
Fixed $500, 80% after deductible $2,500 $500 80% $900 $1,600
2% of claim, min $500, max $2,000 $15,000 $500 80% $3,400 $11,600
1% of value ($250,000), per claim $50,000 $2,500 80% $12,000 $38,000

Examples are illustrative and may differ from your actual policy rules.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.