Combined Ratio Calculator
Measure underwriting profitability with the combined ratio.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
The combined ratio is the standard measure of an insurer's underwriting profitability — it adds incurred losses and operating expenses together and divides by earned premium: (Losses + Expenses) / Earned Premium. A combined ratio below 100% means the insurer made an underwriting profit (it collected more in premiums than it paid out and spent); above 100% means it lost money on underwriting alone, before any investment income is counted.
Analysts, investors, and insurance companies themselves track the combined ratio to judge how disciplined an insurer's pricing and claims management are, separate from how well its investment portfolio performs. This calculator takes incurred losses, underwriting expenses, and earned premium and returns the combined ratio as a percentage.
Was this helpful?
Popular calculators
Loan Calculator
Monthly payment, total interest and full amortization schedule.
Percentage Calculator
Percent change, percent of, and ratio calculations.
Discount Calculator
Calculate final price, savings, and discount amount.
BMI Calculator
Body mass index from height and weight (metric or imperial).
Age Calculator
Compute your exact age in years, months and days from a birth date.
Compound Interest Calculator
Calculate the final amount and interest earned with compounding.
All Calculators
No calculators found
Comments (0)